As a normal, boring user that does nothing special other than browse the internet and the occasional "casual coding" -- what am I supposed to do with 32GiB of ram?
Title. Besides setting tmpfs to use 10GiB of it to store downloads.
Nothing, there is no reason to put that much RAM on your system if you don't even know what to do with it. "What is someone who only uses his car to commute supposed to do with a supercar?"
A supercar is like having a fast CPU. I still want it so I can go zoom zoom. Having more RAM is like having more seats in your car. Pointless most of the time but occasionally very useful.