At what amount of ram is it ok to turn it off?
Never! No matter how RAM you have, you should never turn it off. The
result would be that you would not be able to use all the RAM you
have.
The reason is that Windows pre-allocates virtual memory without
actually using it, in advance of its possibly needing it. This speeds
up actual use if the need occurs later. Without a page file, that
allocation can only be made in real RAM, and that effectively locks
that RAM out of any other potential use.
Moreover, there is no possible benefit to turning it off. If it isn't
needed, it won't be used.
For more information, read this excellent article by the late MVP Alex
Nichol, "Virtual Memory in Windows XP" at
http://aumha.org/win5/a/xpvm.htm