For a dense model this would be a limitation, but not all of a MoE model needs to be in memory, but the largest part of a MoE are the routed experts.

Some parts are needed to generated every single token and these really should fit in memory, but the router experts that are not neeed can rest on SSD and be read only if they are needed, so... you can run MoE models bigger than you memory, try the IQ2XXS.

It should work on your 64 GB after you enable SSD mode in DwarfStar (in MoEspesso it enables itself), while being slower, so... I am really hoping for good models between the 50-120 GB other than Laguna, there is a big gap right now unfortunately.