Read some stuff lol. MacBooks have excellent memory management, and they use swap memory. This is fine as long as your SSD is fast enough and you don’t tax you system with extreme graphics or video editing often. Since I got the 10-core GPU and 512 ssd that means my SSD is twice the speed of the 256 spec which is already fine. This laptop is perfect for me lol. It’s not worth spending on the extra ram AND storage at that +$200 upcharge if you almost never push your system to 100%, And 10-core m2 SoC can do literally everything minus hardcore video editing etc. It’s fine bud.
In a similar situation! I got the 512gb 10-core model refurbished paid 815. Windows is still good for lots of things but Mac takes the cake for day to day use.