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8GB RAM in M3 MacBook Pro Proves the Bottleneck in Real-World Tests
(www.macrumors.com)
This is a most excellent place for technology news and articles.
Perhaps with an SSD, memory swapping is less intrusive, hence you won't noticed any performance issues. This is referring to the vast majority of users. At least for a few years. They will have an intolerable machine later though, when the OS becomes more bloated, and they can't figure out how to upgrade those soldered RAM modules.
SSDs are far slower than RAM. And adds extra wear on the SSD.
And in the case of these Macs, the SSD is also soldered. So you're screwed when you wear it out with the excessive swapping.