I would advise against doing your own math

That is not how this works. The system isn’t using all that, I can guarantee that. Even launching a terminal (or any app) as hidden will not make it and its usage appear in taskmgr - I once unknowingly managed to exhaust my 64GB by launching hundreds of terminal sessions withoutever killing them. Try something like sysinternals process manager to see what’s actually going on.

That would not even be legal on today’s roads, at least in EU for new vehicles.