With a decent SSD (or eight), spilling to disk is really not bad these days! Yes!

And if that's still not enough, if you just need to crunch data a couple times a week, it's not unreasonable to get a massive massive cloud box with ridiculous amounts of ram or ram+SSD. I7i or i8g boxes. Alas, we have cheap older gen epycs & some amazing cheap motherboards but RAM prices to DIY are off the charts unbelievable, but so be it.