I use iCloud and it’s fantastic. Means I spend less as I only need the 64gb model.
Let’s say you keep your phone for 3 years.
50GB iCloud = $0.99.....over 3 years = $35.64
200 GB = $2.99.....over 3 years = $107.64
DIFFERENCE = $72 over 3 years. (I won’t even compare free ICloud storage because no one has this.)
(I won’t even go to 2 TB for this comparison.)
From Apple site, price difference b/w 64GB and 256GB Xr is $150. (Max difference in cost for Xr.)
Now, resale value difference b/w 64GB and 256GB for iPhone 8+ and X are: (using Verizon trade-in value)
8+ $395 (64) and $440 (256) Difference = $45
X $515 (64) and $585 (256) Difference = $70
(I will pick average difference of $60 for this comparison.)
So, by going with iCloud storage (200GB) and 64GB Xr...you pay $72 more for iCloud but saved $150 on the device cost itself. Profit = $78.
If you went with 256 GB Xr but stayed with 50GB iCloud, you save $72 on iCloud but spend $150 more on device. Cost = $78.
BUT, you have to figure in the RESALE VALUE. And that “SAVINGS/PROFIT” from buying 64GB Xr is getting less and less...around $18 ($78 - $60).
So, grand profit of $18. Of course, this will decrease IF you decide to keep your phone longer than 3 years.
IS IT WORTH IT to save $18 by going with 64GB? YMMV.