RAM increase - worthwhile?

CountMike said:

... Even if it doesn't look like you are using a lot or RAM, a lot of it is going to be written to virtual memory so even with a fast SSD it's noticeable hit on performance.

Do you mean the memory usage reported by Task Manager does not take into account those virtual memory writings? In other words: despite TM always showing (for example) at least 40% free physical memory, the actually free memory can be quite less than 40% and reduce overall performance?

swarfega said:

One way you can tell if you need more ram is to open task manager, go to the performance tab, and click on memory. Keep it open while you do your daily routine on the computer. ...

Task Manager is always running in a corner of my desktop (helping me also to spot any... suspect background activities).
That's the reason why I said, in my opening post, that RAM "never gets over 5-6GB during normal use".