Are you me‽

I put 64GiB of RAM in my mini desktop just to never have to deal with swap paging. AMD with integrated GPU, so it immediately steals, like, 4GiB for graphics, but even so I think I've never seen it go past 50% usage.

I think 60 is just a default. That's what mine says, too, and I have 0 swap allocated:

               total        used        free      shared  buff/cache   available
Mem:            59Gi        16Gi       2.1Gi        72Mi        41Gi        43Gi
Swap:             0B          0B          0B