Apple didn't get to where they are by offering value in upgrades.I was checking how much those 64 gb microSD are costing, and it's dirt cheap. Even 128 gb ( 2 x 64 gb ) is alot cheaper than the upgrade of 16 gb --> 64 gb that Apple gives you.
The iPhone 5 better have user expandable memory because Apple is ripping everybody off with their outrageous overpriced memory upgrade.
It's a highly profitable way to increase profits. It also works beautifully since many people are happy to pay for convenience, nor are they aware of component pricing like we are.
Personally I like that they do that. The increases in profits makes my long held Apple stock, even more valuable