We’ve had this discussion for other versions of SharePoint so I am interested to see if it’s changed now a coupe of years have passed. Do you develop with SharePoint on a desktop / laptops or are you using a VM in the Azure? If you are using a physical machine what spec are you running?
I have two SP2016 labs, both single server, different bits. They are each running on a hyper V (4 cores, 16GB Ram) running on a quad xeon server with 128GB of RAM, connecting to a SQL database running on a physical box with an i7 and 32GB of RAM. Not the best specs, but it’s more than enough for the few things I do with it.