You see it as efficient hardware utilization, I see it as waste. You may think all that ram utilization is great, but it's not when you spend a great deal of time waiting for the HDD to load content because you've run out of ram. I probably spend 10 minutes an hour just waiting for things to finish loading from the HDD or having memory sent to the page file because of insufficient memory. See I think 4GB of ram should be more than plenty for web browsing yet Chrome/Firefox do not and instead, I get to suffer for it. I spend a great deal of time waiting for things to load due to insufficient ram. Your solution is just buy more ram, but all I can go to is 8GB. Why should I need 8GB of memory to use the internet comfortably? I didn't need this much memory 10 years ago and I'm doing the EXACT SAME THING as I was 10 years ago. On another computer, I've been able to tap out 16GB of ram on a regular basis with just tabbed browsing. You call that efficient?! I don't! In 2005, I could have the same # of tabs open and I'd have maybe 1GB of ram usage. The difference was, back then, the experience was quick and comfortable. Now? I use an assload of ram and the web browsing experience is slow as shit because the constant page file utilization due to 'insufficient' memory.
Utilizing ram is great and all but you know you've got a bloated web browsing experience when your computer becomes dog slow because '8gb' of ram 'isn't enough'.