The problem with disabling the memory overcommit is that then the RAM is wasted. That can be worked around with setting up swap but then the disk space is wasted.
People like to reinvent things that they are not aware of. Original BSDs used to use strict swap reservation - every anonymous memory page had to have an associated swap page. You had to have the swap 2x of RAM to allow large processes to fork - otherwise you would get an "out of swap" error. FreeBSD implemented overcommit around 2000, I think version 4.x or 5.x.
I mean they can just malloc when they need more, what am I missing? Unless this is about JVMs which might preallocate a ton for their heaps and not use it