Modern inference engines can stream in weights from SSD in order to save on RAM, but this makes inference very slow, especially for the trivial single-session case. (Jury is still out on whether batching multiple sessions together can mitigate this well enough, but even then that's mostly helpful for the "running lots of inferences overnight and getting fresh results first thing in the morning" case. Which is interesting (the big third-party suppliers don't really offer a way of doing this at reasonable cost) but a bit of a niche.)
Nah, you can run the 24b - 35b class with between 90k and 256k of context with about 40GB and they are pretty good. Especially the MOE variants fit neatly in 40GB.