The proper rule of thumb is to make the swap large enough to keep all inactive anonymous pages after the workload has stabilized, but not too large to cause swap thrashing and a delayed OOM kill if a fast memory leak happens.

Another rule of thumb is that performance degradation due to the active working set spilling into the swap is exponential - 0.1% excess causes 2x degradation, 1% - 10x degradation, 10% - 100x degradation (assuming 10^3 difference in latency between RAM and SSD).

I would approach the issue from the other direction. Start by buying enough RAM to contain the active working set for the foreseeable future. Afterward, you can start experimenting with different swap sizes (swapfiles are easier to resize, and they perform exactly as well as swap partitions!) to see how many inactive anonymous pages you can safely swap out. If you can swap out several gigabytes, that's a bonus! But don't take that for granted. Always be prepared to move everything back into RAM when needed.