iOS is pretty good about nudging you to the next tier as you approach filling your current one, IIRC. When I recently had to jump from 200GB plan to 2TB it was one tap on a notification to move to next tier for my whole family, so even for those of us who can easily afford it's arguably not that sensible a strategy to jump straight to 2TB, unless one's goal is to subsidize Apple as much as you can.

HEVC/H.265 introduced in iOS 11 largely makes shooting 4K on an iOS device cost _roughly_ the same in storage terms as 1080p/H.264 did, so recording in 4K doesn't really move the storage needle here like it used to either, assuming of course you have an iPhone 7 or newer.

I read this comment and was confused because it is exactly what I would have written and thought I had a moment of amnesia where I forgot that I posted a response...

Same boat 100%... Family sharing, 2TB plan, have my wife and mother in the family. Combined we use less than 200GB, but I am happy to pay for more storage rather than deal with tech support calls from them two when we go over 200GB and they get error messages popping up. :P

Wow, MS Office 365 costs like $100/y for 5 users, each getting 1TB of OneDrive. And also, well, Office.

Apple includes their own office suite for free with all macs so if you don’t need 100% office compatibility why give MS more money? I haven’t had or used office in some years now and don’t miss it a bit.

OneDrive also doesn't integrate well with my Apple devices, so there's that.

I do also pay for Office 365 though, $100/yr is significantly cheaper than purchasing Office for every computer in my house.