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