Maximum text size for hashcat

[Andrewtate]

Hashcat works well with large files, you don't need to split anything into smaller ones. Note, however, that performance is affected by your hardware configuration, as large files require more memory and a fast disk to cache before they can be attacked.

Sir, does that mean, that i should not use .txt files, which are larger than RAM? 
For example 64gb ram = ~58-60GB txt max? 

Or you just meant by saying that, that i need fast SSD, to work smooth with rig of 6 GPU's , so GPU's perfomance would not outperform Disk perfomance ?