You can’t compare 4TB SSD to having an NAS. If your gorgeous beautiful MacBook gets stolen or broken, you’ll be glad that every time you were home, it backed up to that NAS.
I’m a photographer and I have terabytes of photos. If you’re storing terabytes on your MacBook, it must be media, and I separate my media (my photos, that is) from my regular backup, because my digital photos will exceed the storage of any laptop drive. One photo is about 28MB and I have 10,000’s.
Problem is, when it comes to editing, that local storage is many times faster than the best NAS. True, NAS can be fast — about 100 MB per second. But that’s actually terrible compared to the 3GB/s (capital B!!!) which your SSD can hit. That’s a 30X speed difference.
Personally, I’d rather have the 1TB or 2TB internal and the external Synology. You might also need to upgrade your WiFi router to support all that speed.
If you’re curious — two weeks ago, I popped into a restaurant with my son, came out, two windows were smashed and the laptop was gone. Luckily, I had a backup, which would have been the worst of it by far.
Use a good password, an incremental backup system, and use Apple’s disk encryption.