Over 22GB of that is cache. I’m sure some of that is useful but the overwhelming majority of it is just being used because the memory is freely available so why not? If it improves performance it’s not in anything I’ve ever managed to notice between my 16GB work machine and 64GB personal one (which are used for largely similar tasks, though I’d say the work one is a bit more heavily stressed).

Sure some cleanroom laboratory benchmark will say the 64GB version is faster. And for some workloads I’m sure it’s a bigger deal. But a human just isn’t going to perceive much practical benefit from a full Chrome restart being 5% faster or whatever.