Nothing to worry about.
So many factors:
Screen resolution: higher=more VRAM
Texture Detail level: higher=more VRAM
Post Processing levels (Anti-aliasing and such): higher=more VRAM
Game engine. Games with a lot of repeated textures don't require as much VRAM, since the data can just be re-used, but the more repetitions the more CPU is required to direct the GPU. RTS often use a lot of CPU for this reason as well as all the individual unit 'commands'
Available system resources. System RAM can be a factor, GPUs will store less critical data here and the driver will also preemptively pull things from disc if it is possible to predict what is required.
A GPU should only be hitting 100% if you let it run wild, as in make as many frames as possible. For FPS this can be good for response time, but bad for screen tearing (when the FPS is above or below the monitor refresh you will see runt frames)