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No, your pc uses virtual memory as well which resides in your hard drive space [or ssd if you have one] commit charge is pretty much the utilization amount of physical and virtual memory or page filing your pc needs to use for its processes.

 

Do you need to install that much RAM? not really. Your PC will create virtual memory regardless of the amount of RAM you have installed as it still requires it for page filing.

The average recommended RAM for today is roughly 16GB but many are installing 32GB & 64GB.

 

Here is some links you can read up on this:

https://en.wikipedia.org/wiki/Commit_charge

https://answers.microsoft.com/en-us/windows/forum/windows_10-performance-winpc/commit-charge-100-memory-usage-49/364e50b1-5644-4246-8fa6-a535a779e535

There are plenty of other sources as well if you do a proper search.

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