For Joe Schmoe who is just scrolling Reddit you will probably be fine with 8-12gb, especially if you intend to cut down on your budget.
Joe Schmoe cutting down on budget shouldn’t throw away money on MacBooks then. I had a low-end notebook 10 years ago that I upgraded for little to 16GB RAM 10 years ago.
Video memory is shared with main RAM on “Joe Schmoe” notebooks. It’s really noticeable when a few browser tabs are open. Source: Me when I had an 8GB RAM HP notebook with an iGPU.