No.
Cruising the internet (with lots of tabs open), streaming (including Zoom / Zoom-like meetings), document creation of all kinds, photo and video manipulation and multiple apps open and switching between - and nary a beachball here.
More RAM is always good, but unless you're planning on building games, go full Garageband in a music studio or are working for Pixar, I think 'regret' won't be an issue. Unless you consider the regret for paying for overkill - and realizing you'll not really recoup the expense when / if you eventually trade it in.