The other thing to keep in mind is if you don't configure a PCI busboard (Mediator/GREX, etc...) in WinUAE you save address space in the Zorro III range. That can potentially allow you to add additional Zorro III memory.
The Mediator can take 256MB or 512MB of Zorro III address space, for example, if configured.
So if you use uaegfx and a Zorro based network card (emulated) you aren't using alot of address space.
Well I experimented a bit more and I think I might have gotten it stable with 512 MB of Z3 + 128 MB Accelerator.
I did indeed have a bridgeboard emulated, so I took that out. I reduced Video memory from 64 MB to 16 MB (I could probably go down to 8 MB, because that's enough to hold 1920x1080 @ 32bpp). I also switched to the uaenet.device for networking, not sure if that reduces address space usage?
I tried upping Z3 to 768 MB, but this caused the entire WinUAE to crash just as the workbench screen appeared during bootup. According to this:
https://www.amigaforever.com/kb/13-111 the maximum amount of address space under AmigaOS 4.1 is 768 MB, so I'm not sure how some people manage to get it working with 1+ GB of RAM.