Reserving 4GB for OS sounds and most probably is bloated. Take away the dashboard and 3GB for OS sounds bloated too. Android and iOS devices have tens of apps always running in the background together with regular OS services and they do it within a fraction of that memory amount. Here's my Android phone's RAM usage:
Besides OS services I have facebook, facebook messenger, whatsapp, skype, telegram, hangouts, spotify, accuweather, dropbox, google maps and over a dozen more apps/services running in background.
All this is kept well below 2GB, and I know my phone is unnecessarily bloated with running apps. Scorpio isn't going to run even a third of this amount of apps concurrently.
Reserving 1GB for a 3840*2160*32bit dashboard sounds bloated as hell too, unless this dashboard is going to have tens of 4K layers (which would be just bad engineering regarding resource consumption).
Whatever is required for the OS to run will be massively over inflated out the outset, they will never be able to eat into the game allocation but can go the other way, 3gb instantly added to the game pool is more than enough at launch, I am sure if required they will go raiding the OS reserve but why put the OS under stress at launch?
I would say they probably also have game dvr taking memory, as well as game download cache to ensure a specific disk IO is available to the games when requested, plus any new services they are planning with the console we do not yet know about.