Do you think HMC and HBM will be significant for desktop users?
HBM will be significant due to being used on desktop GPUs. If you meant as system RAM, my guess is not so much. It's the same boat as DDR4, it's not very useful to provide more bandwidth when the software doesn't require it. It would become useful if software demands came to change, but to my knowledge that hasn't happened much since the DDR2 days.
That is unless HBM brings improvements in latency that I'm unaware of, which might be useful it it's a big enough improvement for a reasonable price. But I know using GDDR as system RAM is counter-productive exactly due to the higher latency compared to DDR, is that the case with HBM as well?
I'd think AMD's HSA has the potential to make a bigger impact than the RAM technology itself, because it would make it easier for GPGPU to finally take off everywhere. Suddenly having many applications tapping into some TFLOPS of processing power previously unused is a much bigger impact that new RAM types could ever provide.