I don't think it has overcommit at all, at least that's the default. That would be why you don't have Windows OOM killer stories.

The reason you hear less about Window's OOM killer is simply because it works well.

The Linux Kernel OOM killer kills random things. Userspace OOM killers are meant to improve this, and they work well in a server situation when you already know in advance what is likely to go haywire and what is safe to kill. But they don't work well on desktop (some of them are improving but it doesn't seem to be a priority).

The Windows OOM killer by comparison usually kills something sensible (i.e. the program that is actually using all the memory), and asks the user for permission before killing it (when possible). You do see a lot of memes of situations where it fails.