On Windows over allocating virtual memory (commit charge) is still bad. Unlike on Linux, once the total commit charge hits your physical RAM limit + SWAP limit, Windows will start crashing your applications and refuse to allocate more virtual memory, even if that memory has not been touched yet.

This is also why it is very important to have plenty of SWAP space on Windows, even if you have 64 GiB+ of memory. Because applications love to over allocate commit charge.