You're not the only person who is fine with 64 GB or less storage. I'm only using about 34 GB.
I treat my phone like a ..... phone. What that means is that I don't store movies or music on it. Nor do I play games or store other crap that consumes a lot of space. Even social media apps consume a lot of space.
If you only use your phone to make calls, send messages, take photos, and navigation, then 64 GB should be plenty of space for every such user. I have over 2,000 photos on my phone. So unless you're absolutely addicted to photos or you take too many of them (where 1 or 2 would suffice), then you would not need more than 64 GB anytime soon.
Eventually, in a few years, when I accumulate more photos that take up more space (due to higher res), I may need more storage. But I always groom my photos. In my experience, people who are generally organized don't need a lot of storage. Let me give you an example. I travel abroad quite often with some of my friends. For every 100 photos they take, I'll take 20 similar ones and keep 10 best ones. They keep 100, never groom their phone, and of those 100, most are repetitive and downright unattractive. So they are always under the impression that they "need" 2 or 3 times as much space, where in reality, if they took a few minutes to organize their photos, they wouldn't be anywhere near that capacity.
Same goes for videos, which take considerably more space, especially at 4k. I'll usually delete the bad ones and even make montages of the best clips on certain trips. You may think that's a lot of work, but it's really not if you're consistent. I save hundreds of dollars every year over my friends because I'm always fine with the lowest capacity iPhones, whereas they have to spend hundreds more.