In my other post I stated that tab didn't exist and I posted a dump of system info.
I did come up with the closest test I could think of. I figured that regardless of SMBIOS, if I overcommitted more RAM than the system actually had (after all, I can lie to it and make everything I've checked think there is 128GB if I want), things would go bad quickly.
So with a 96GB SMBIOS and 96GB of actual RAM, I used a RAM Disk Creator to make a 64GB RAM Disk. If my 2 32GB UDIMMs were completely unusable and somehow bypassed, this would mean that I only had 32GB Memory and that RAM Disk would be double the memory. If the SMBIOS hack made Mac only utilize 16GB on each 32GB UDIMM then that RAM Disk would be 100% of system memory.
So I created it successfully and copied as many files as I could. Only 3.7MB left on the RAM Disk. I then ran CleanMyMac's free RAM. The files were retained. That feature usually does cause a bit of swap space to be created, but right now it's only 65MB in use according to iStats Menus.
I'm going to let it run for awhile and see if it behaves reasonably. Should I really be using the RAM as expected, that means I should have 32GB not taken up by the RAM Disk right now, which is what I'd have max if I didn't have the 2 32GB UDIMMs installed and that was enough to use the system normally. My 2012 iMac is maxed out at 32GB and my 2019 iMac at work has 40GB.