What are your goals for the computer. We need more info.
If you're not aiming for the top, just get yourself 32. Find some PC 12800 with 9-9-9-24 timings for cheap if you're not overclocking much.
I will be using it primarily for Photoshop, Lightroom with large files. I currenly have about 30TB of photo & graphic files in my library consisting mostly of external eSata or USB3 drives. I want a fast boot with four fast internal data drives in addition to the system drive. I will also be using the standard MS Office and Adobe prgrams. Some video but nothing more than for personal use.