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Well times have changed, ram which was cheap is now a lot more costly. When the ram was cheap 64g was the way to go. Now its an open question if monies are better spent on other upgrades. I just got a 2nd main computer and am staying with 16G (planning to run 6 wow clients at low effects) and no ram drive, but am keeping the 64g and ram drive (really once you have one you won't go back to anything else) on my 1st main computer.
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Ram (or a RamDrive) vs anything else.
It comes down to: what is the bottleneck, for whatever you're currently doing.