Far as RAM goes, it will become a good thing: it gives companies incentive to invest into the development of bigger RAM, more speed, and making the motherboard bandwidth big enough to handle it.
The next big generation of hardware will be much better IMO, simply because the companies will have to compete by their merits. The downside is not having enough supply right now, but once the logistics and tech is in place, even non-AI people will benefit.
If you just want an easy way to setup AI on Windows or Linux, KoboldCPP is my recommendation for your backend. It supports the GGUF format, which allows you to use both RAM and VRAM simultaneously. It won't be the fastest thing, but it is easy enough to setup, with a bundled GUI for prep and actual usage. Through the IP address it gives, you can hook the backend into a frontend of choice.
KoboldCPP