Absolutely no one that owns one of these professional cameras uses them with non-Xeon CPUs.
Really the only use for greater than 64Gb for non-Xeon CPUs would be student animation or machine-learning projects.
https://www.adorama.com/ipxk1.html https://www.adorama.com/inkd810.html https://www.adorama.com/inkd7100.html
Which brings a slightly unrelated note: people seem to be blissfully unaware that you need less than 9mpix for a 12x9" 300 dpi print or that the zoom lens they bought with the camera has sharpness that effectively limits the resolution to 5-10, maybe 12 mpix if they are lucky. But megapixel count is easy to sell -> race for more megapixels -> smaller physical pixels -> more signal amplification needed -> more noise / general lower photo quality.
64Gb is completely unnecessary for photography. Photographers don't even go over 16GB.
You don't buy/rent a camera you can't afford to process images from just like you don't buy a car you can't afford to service and you don't buy a house you can't afford taxes for. Or if you do, I have little to no sympathy.
The computers often are owned by the company renting the gear, where the end customer pays for the camera rental.
So it's not so simple. And one thing - go easy on using the word idiot... I work with some very smart people who fit your description of idiot on a regular basis.
If it's really true, then your pricing is clearly wrong.
All of your hypothetical examples are also for very niche high-resource usage professionals. It's absurd that these cases need extremely high memory support from consumer processors. Intel is not obligated to subsidize anyone, especially not people who can afford to pay for high end systems.
1. Are they actually doing that? I'll be honest, I don't know for sure, but I do know that more capacity rarely comes for free. I assume that supporting 256GB of memory efficiently relative to 64GB requires either a faster clock speed or some more pins. Is Intel "gimping" the consumer product or simply not building in the extra capacity?
2. Is it necessarily a bad thing if they are? If consumer demand peaks at, say, 32GB and professional demand reaches, say, 512GB, Intel could develop two entirely different architectures, which seems wasteful and more costly to everyone. They could ship just one chip with professional capacity supported, which drives up consumer costs effectively subsidizing professionals (because professionals are no longer paying the premium for the "pro" chip; they're just buying the consumer one). Or they could ship a consumer chip that doesn't support professional needs and ship a professional chip at a price that makes pros pay for the capacity Intel had to engineer for them.
The last option seems like a good option for everyone except the people who think everyone else should pay a premium for unnecessary pro support so that a few people can get cheaper pro chips.
AFAICT nobody on this sub-thread is claiming that consumer desktops should cater to our niche use cases. We're just offering examples of application domains where a high RAM-to-CPU ratio is useful.
Additionally, as for your original question: For hobby or even 'normal' professional photography, I'd guess none. But rigs like the ones used for Gmaps Street View, the recent CNN gigapixel, etc. would probably have the capability to approach that size.
And yes, I also want to know what turns a 500MB photo into >16GB in memory. That's 32 full-res copies of the photo in memory. Just "a couple layers and a couple undo steps", really?
Layer size: Layers add more data on top of this: alpha channel (8-16 bits/pixel), clipping mask and maybe half a dozen other things, easily bumping the whole thing from 6 to 9 or 10 bytes per pixel.
Layer count: It's fairly common to have multiple layers that are copies of the original photo, with different processing applied and blending them into the final one. I'm very much an amateur and when I'm serious about just making a photo look (not even creating something new) I end up with around 10 layers.
Undo step memory: a lot of work in the photo processing workflow is global: color correction, brightness, contrast, layer blending settings and modes, filters (including sharpening or blur) apply to every pixel of a layer. Each confirmed change (by releasing mouse button / lifting stylus / confirming dialog) is likely to have to store an undo step for entire layer.
Of course you can just persist some of that to disk, but if a single layer/undo step can be 800MB this will hurt productivity - only very recently we got drives that can write this much fast enough and that's why just a couple years ago, when having enough RAM was not really an option a lot of pro photographers had 10 or 15k RPM HDDs running in RAID0 in their workstations.
For the layers/undo steps, the "couple" of each was not my phrase. It was yours. If by "a couple" you actually meant dozens, then sure, maybe an 80 mpix photo really needs that much memory to process.
Presumably that's 16-bits for each channel of Red, Green, Blue. Since every pixel is composed of the three RGB components, that's how you get 48-bits for every pixel (and internally, Photoshop refers to 16-bits per color channel as 'RGB48Mode').