> If you rely on actual virtual memory instead of specially designed file format, saving large files will become prohibitively slow. On each save you have to stream the entire document from page file to actual memory, serialize the document, produce the entire file, then replace. And then when resuming editing after the save, you probably have to load the visible portion back from disk.
How large is large? Loading and saving a few GiB from my SSD is pretty fast, and few files ever get so large.
In any case, you are mixing things up here.
You can have a special file format and use virtual memory. You could mmap your specially formatted file and rely on the operating system to keep what you do in memory in sync with what's happening on disk. That's a prime use of virtual memory.
> Use a reasonable upper estimate?
Saddling some guy on an underpowered Chromebook with a crazy large static allocation, just because you want your programme to also support some crazy large screen that might come out in 2035, seems a bit silly?