Hard drive size?

I’ve got 2+TBs of files and media (mostly photos) right now. Planning to buy a mbp with a 4 TB internal drive. Yes, expensive, adds an extra $1K or so, but just thinking why have the little hassle of plugging in an external drive not to mention one more item to transport.

However I see most folks get 512, 1 tb, and sometimes but more rarely 2 tb.

Just wondering what the thinking is on this. Do you just not need that much storage, saving the extra cost, or don’t mind using an external drive? Or maybe most of your stuff resides in the cloud.