This is why paying for dedicated memory is often more expensive than its counter part, because that dedicated memory is not considered as part of pooling.
Just because you can doesn't mean you should.
The entire vibe of this thread is
1) everyone is doing it
2) efficiency drives cost down (to the vendor) but those savings are not passed to the consumer
3) "hardware you pay for when you need it", all predicated on the at IF and it doesn't happen.
Oversubscription should always be opt-in, otherwise it is an underhanded scam.