In my experience that is not really true. If you use Flatpaks (for recent versions and sandboxing), a browser with many tabs, unoptimised RAM eating electron apps like Signal Desktop, and then have a couple of things like Syncthing and some programs to share Linux ISOs running in the background, stuff gets tight quickly.
I would then also play a video in MPV and maybe encode one with ffmpeg, then oomd comes and kills apps, after my system was frozen for multiple minutes.
















Well I dont have swap XD I should really make one