I'm still on the 20GB ($11.99/yr) plan, but only less 200MB left. Unless I delete my obsoleted iPhone 5s backup or use iCloud photo library, I'll have to upgrade my storage to the next tier 200GB.
I just had to finally upgrade my 25GB plan was not enough. I debated constantly backing up stuff to my iMac. In the end I felt it was too much. I prefer the cloud. I have an iPad plus 2 iPhones all 128Gb