Heh, one of those classic questions. My buddy and I both have 32GBs in our systems and we have never seen Ashes use all of it, hovers around 12GB on an enourmosue map with 12 painful computers and the 2 of us with massive armies.
The answer to your question is complicated, so for a gigabyte board that uses a T topology then 4 sticks is a great way to go, start with a good quality 2 stick kit and when you have more money add the second two. If your motherboard doesn't use T topology then you want the two stick 32G kit to start with. My point is that there a couple of factors to consider and you don't want to sacrifice too much memory performance for capacity since Ashes doesn't actually need 32GBs. If money is not a problem then definitely rock 32GBs, going 4x8 on T topology and 2x16 on daisy chain. You an good this, Der Bauer (Actual hardware Overclocking) on YouTube covers this on many motherboards.