Maybe, but my desktop has 32GB of ram, has a 64bit CPU, and I've rarely seen a single process use 4GB of memory unless it was leaking memory. My laptop has 8GB of ram, also 64bit, and I'm pretty sure I've never had a single process use 4GB. The only exception I can think of was doing some silly data manipulation, e.g. doing the initial build of a property graph of the entire Boston area transit system. I bet some high end games or video/photo editing software would use more than 4GB. Point is, those are all pretty niche situations, I'd bet the majority of memory usage on an average person's computer comes from browser processes, few hundred MB each if that and office applications, also a few hundred MB. Those processes add up though, so having more ram is usually a really good thing even if no processes uses even close to 4GB.
I also challenge the need in server loads. I'd bet the vast majority of applications never use 4GB either on the app server or the database server. Most of what gets discussed here on HN are large high scalability applications that you wouldn't host on ARM cores anyway. We often forget that the vast majority of website are tiny and low traffic.