I'll probably upgrade to 64GB RAM soon.
About your 3 different drives.. I'm doing the same thing :D I have my main drive for windows and important apps (200 and something GB), my extra games (or apps) drive (1TB), and.. A 10TB HDD for my personal files :D
I haven't found anything my PC can't run yet, it's kind of strange, to be honest. Every game that I've tried to play has played at 60+FPS on the highest graphics settings- this includes Fortnite, Destiny 2, Green Hell, The Forest, my work-in-progress game, Halo games 1-5 and Halo Infinite Flight testing, and a lot more.
Wait, you have a Ryzen!? :D Powerful CPU! I was going to have 32GB of RAM as well, until I found out my PC can handle 64GB RAM. What kind of PC case do you have?
Great talking with you :)