For regular Windows and program use, I'm sure there's very little to effectively no difference with 16GB RAM compared to 32GB. I guess for me it would be the difference between dual channel and quad channel, and I couldn't make as large a RAM drive.
Still thinking about getting another 32GB for 64GB, and yes, an SSD. It's not a priority for me at the moment though. (The 5.9 score gives me a laugh at least.