Sizing unified RAM on Apple Silicon (M1/2/3/4) is still subject to debate. Some argue that due to the M-series design, unified RAM is more efficient & faster than on previous (Intel) Macs and that therefore you don't need as much. I don't agree with that outlook, especially for demanding apps like Photoshop, CaptureOne, Logic, Final Cut, etc.
Could you "get away" with 32GB RAM on the M2 Mac Studio? Yes, but you might not be happy with it in the long run given that the OS & apps continue to require larger & larger amounts of resources including RAM ... and you cannot upgrade the RAM later.
Considering your stated use, and buying for performance & longevity, I would go with the 64 GB RAM.
Question ... is there a reason you aren't considering an M4 Mac Mini instead of the M2 Studio? The top end Mini - M4 Pro with 64GB RAM & 1TB SSD - comes in at $2,199 ... a full $800 less than the older M2.