(The regular model had 12GB which would suffice, but 128GB storage was a bit of a joke - I take a lot of pictures, and am familiar with Samsung slow downs unless plenty of free space.)
What I use? Slack, multiple email accounts, Discord, life 360, signal, WhatsApp, Facebook, Messenger, Hangouts, Instagram, .. nothing special, just a lot of different messaging platforms + apps. The extra memory allows them to stay loaded and ready when swapping.
I locked myself into a salary sacrificed tax free pre order in February (before realising just how bad C19 would get), so not paying the full sticker price. Also rotated my old S10 5G device to wife and sold her old for good coin.
I for one absolutely love the big display in these times of home iso; whether for videos or reading technical books on Kindle. Wife also embraces the nearly as big S10 5G - she wouldn't go back to a smaller phone now.
I was just curious, because even on my desktop I rarely fill 16gb of RAM for day to day use.
My desktop has 32GB and it does the same thing; a larger size is reserved for caching than on the 16GB work laptop (both Win10). I use Docker a lot which probably "helps" in making use of the memory. :)