Page 7 of the following Tom's Hardware Article - Memory Upgrade: Is It Time To Add More RAM? -
http://www.tomshardware.com/reviews/ram-memory-upgrade,2778-7.html - describes the effects of disabling the Page File at various quantities of installed memory. Generally speaking, unless you run a particular software which requires a Page File, if you have 12GB or more memory, then a Swap File is unnecessary.
I run 16GB of memory, and an SSD without a Swap File, and have never encountered an issue.