Hi George,
The question was more directed to the people affected by the problem like SKIRK_70. It seems that in addition to the M365 version there is sth involved that we didn't detect so far.
If the affected people would like to see more exactly when (and thus by what) their virtual memory is eaten up they could either use the external tool VMMap from Microsoft or some lines of VBA code using the GlobalMemoryStatusEx API.
I showed both methods in the video already mentioned in this thread and all the material incl. the tool and sample code is still available in my downloads at AUGET. Maybe this helps to detect what's involved.
Servus
Karl