Why is it annoying? I'm genuinely curious: what are you doing that takes that much RAM?
I can do that easily on my 24GB imac. If that starts to get cramped, I can upgrade it up to 64GB. But I would be SOL on a 16GB macbook pro
For "actual [computational] work", use a different computer suited for the purpose, not toys marketed to graphics professionals and hipsters.
(Some of this probably comes from the fact I cut my teeth on machines with 64K RAM... but once machines got past half a gig, the availability of RAM seems to have outpaced the need, at least for me.)
Moving things in the cloud isn't an option, thanks to internet being too slow and unreliable, and I don't want to be tied to a desktop.