That said, yes, we just got done upgrading all of our workstations to new self-built systems with 64 GB of RAM and I would definitely consider having to go to swap file to be an error.
All of our systems have 5 SSD drives: System, Data, Library, Development, Swap.
They are all 1 TB SSD's with the exception of the 256 GB Swap/Temp drive. The idea is to distribute read/writes and organize things so that no SSD, and, in particular, the system SSD, is abused. Running a large number of FEA thermal simulations or a bunch of FPGA compilation jobs can produce an amazing amount of files.
This approach seems to do a decent job of spreading that out and keeping it off the System drive. That, coupled with local (network) and remote backups has worked well so far.