The temptation to do that is very high^^ perhaps I'll ask for some RAM from Santa when we get back to Xmas.
Unles you are doing some fairly hefty hardware intensive work on the system. Very large images in photoshop, HD video etc. You won't get any where near needing 32GB. Bit like those that whack 16GB in to a system, then say they only really do web browsing etc. Won't notice any difference over 4GB in all honesty with that usage.
Look at the PC Forum, where the highest end rigs over there are still using 6-12GB. No idea how Apple have managed to make people think they need to max the memory out on their systems as 99% of the time it's just wasted money. You will know when you need that kind of ram, as you will struggle to use the system with any less. If you frequently see the SBBOD then you might need it, really need to check the usage at the same time.