Bare 3.5 hard drives, & enclosures vs buying all in one external hard drive

[Sossity]

I have been looking around at hard drives & enclosures.

I read that it is more economical to get bare hard drives, & swap them out in enclosures.

But I am finding that as capacities of hard drives increase, my enclosures that I have are already obsolete, I see 4tb hard drives now, & all my enclosures are rated to support up to 2tb.

I dont want to have to keep buying new enclosures to accommodate bigger capacity hard drives almost every year, or at least for the enclosures to last more than just a couple of years.

On the other hand I can just buy a whole external hard drive in an enclosure ready made, & it seems cheaper this way.