I see all the comments about how Windows and Linux handle OOM, but I suppose I'll also mention macOS.
On my M4 Max Mac Studio if I try to load too big of an AI model with protections off, the desktop starts glitching back and forth between the past few hundred frames. It looks bad when it happens but CtrlC still works to kill llama.cpp and if you were using LM Studio, SSH also works. Once you kill the offending process, or if macOS does it for you, the desktop comes back immediately.
On my M4 Max Mac Studio if I try to load too big of an AI model with protections off, the desktop starts glitching back and forth between the past few hundred frames. It looks bad when it happens but CtrlC still works to kill llama.cpp and if you were using LM Studio, SSH also works. Once you kill the offending process, or if macOS does it for you, the desktop comes back immediately.