Anything that uses resources has an impact on the system. More RAM uses, at a minimum, more power from PSU, so there is at least that impact.
System having to utilize/access the physical RAM, especially when the OS cannot utilize, also has an impact on the system, and not a positive one either.
More RAM also generates more heat. Very slight but more RAM can also cause a slower POST.
I like you both so I am going to say I agree to disagree and leave it at that.