But that means that you can run the lighter 32bit OS version that is faster AND it is already overclocked and includes a massive passive heatsink.
But the web browser plus whatever else is running in addition to the OS will still eat up what's left of the RAM pretty easily I would think. My phone uses more than 4g of ram easily.
Not really. It's actually hard to use up the 4GB RAM on the RPI4 as a normal user. Remember that everything running on it is lean, like LXDE for example.
I'd say that if you're happy with the RPI4 performance as a desktop then there's a 95% chance that 4GB RAM will be enough.
If you're a power user then RPI4 is too slow and you'll probably looking at something with at least 16GB RAM anyway.
This is why I like the RP400. It's the CPU, more than the RAM, that is the bottleneck for use and the RP400 is like 15% faster.