Like Linux / open source often, it depends on what you do with it!

The kernel is very slow to kill stuff. Very very very very slow. It will try and try and try to prevent having to kill anything. It will be absolutely certain it can reclaim nothing more, and it will be at an absolute crawl trying to make every little kilobyte it can free, swapping like mad to try options to free stuff.

But there are a number of daemons you can use if you want to be more proactive! Systemd now has systemd-oomd. It's pretty good! There's others, with other strategies for what to kill first, based on other indicators!

The flexibility is a feature, not a bug. What distro are you on? I'm kind of surprised it didn't ship with something on?