Absolutely not. 16 gb is nice to have, 24 gb is for workstations. If you aren't doing ML or rendering, don't bother
Does the 3060 need 12 gb? Of course not, the bandwidth doesn't even benefit from that kind of memory.
Do games actually use as much VRAM as they allocate?
Of course not, you have to look at the actual FPS
Crazy logic leap here, like gamers are the only ones who use GPU's and like the 90 series was ever targeted towards gaming and not rendering like it always has been.24 GB is about the right size to target ultra quality 4K with raytracing and the general requirements of applications on high resolution monitors. If it wasn't needed, these GPUs wouldn't have it.
Does the 3060 need 12 gb? Of course not, the bandwidth doesn't even benefit from that kind of memory.
Do games actually use as much VRAM as they allocate?
Of course not, you have to look at the actual FPS