If I'd sell it, I'd still get between 1000 and 1500 Euro. Let's say for the sake of the argument I get 1200 when it is three years old, then the yearly cost was 600 Euro. Which is... cheap for a tool that I use daily and my income depends on? I mean, if I had to drive by car to work, my yearly cost would be much more than 600 Euro.
I would readily agree that Apple overcharges for memory and SSD, but the amortized cost is not really large.
Also if you travel with Mac, you need to carry two laptops. There is no easy way to move NVME drive to new machine like with Pc laptops.
Besides that I never had a Mac break down when I travel and I've owned MacBooks since 2007 and travelled a lot with them (including years of daily bike rides, including hilly terrain).
My MacBook is one of the products I literally never worry about.