32GB won't speed up loading times — but it helps with stutter.

No, not by itself. Loading times are mostly bottlenecked by your storage drive (SSD vs. HDD) and the game’s own loading logic. RAM capacity past what the game needs doesn’t make files load faster.

What 32GB does help with is smoother gameplay in heavy titles, especially if you have Chrome tabs, Discord, or other apps running in the background. When 16GB gets maxed out, the system starts swapping to the SSD, which causes stutters and longer load times indirectly. But if you’re only gaming and closing everything else, 16GB is still fine.

Future-proofing is the real argument for 32GB. Some games are starting to recommend it (e.g., Hogwarts Legacy, Starfield), but even then, the difference in loading is negligible. Spend the money on a fast NVMe SSD instead.