Any talks about Vram are often seen with the scope of "future-proofing". 12GB might be fine now, but it's too close to the limit to give peace of mind. Assuming that Vram requirement keeps growing in the next few years, and you'll have issues with textures/assets loading. From my personal exp, there's only a handful of games where 8GB is causing problems and even fewer games where fixing those issues would result in a noticeable downgrade in texture quality. "my 2020 GPU can only handle early 2020 level of textures in 2025, yuk"
Then there's games like the last of US who where really unpolished at launch. They somehow managed to make better-looking textures that used less VRAM in later patches
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But both AMD and Nvidia are looking at neural compression/decompression of textures to lower the impact on VRAM, FG is also getting optimized to lower the memory footprint.