Why to use program consuming lots of resources, while you can use another one with less consumption; keep your limited resources for other programs or for opening more tabs without sleeping tabs feature.
Because it's what RAM is designed for in the first place. Its job is to keep data you need fast, so your PC doesn't have to go to drive to obtain information and then back, to drive and back again. This massively slows down the performance of the app and the operating system itself. And because RAM is extremely fast, whatever app needs it's straight there without any delay.
Why does Windows take time to load? Why doesn't it launch in an instant once you press the power button? Well, it would if it had entire operating system in the RAM. But considering it doesn't, operating system needs to locate every necessary file on drive that it needs to work. And that takes time. Once everything is loaded into RAM, it doesn't need to do that again because everything it needs it right there. This is also the reason why your PC wakes up from sleep in less than a second.
Then you come to the desktop, and want to launch an app. You double click the icon and you wait a second or two. Do you know why? Because again, the app needs to be loaded into RAM. If it was there, it would be equally fast like opening app from taskbar (the only reason why minimized app launches fast is because it's already in the RAM).
What's the lesson here? By limiting RAM usage, you're limiting the number of data app needs to work. The less data in RAM, means your favorite app needs to go to the drive to look for it, and then back, and to the drive again, and back; slowing down the app and performance. That also means the app uses more CPU which then results in using more power, which then results in less battery life, for example. For the same reason, it's recommended not to use task killers on your phone; same story, phone needs to work harder which then means it uses more power and that equals to less battery life.
You yourself said you don't use any resource intensive software and use your PC just for light office work and casual web browsing. So on what will you use the unused RAM if not on the most important app on your PC—the web browser. On Calculator? Firefox using more RAM only means it works faster because it doesn't need to visit the drive often.
