I am not 100% sure but I think a store on Aliexpress is selling storage boards with the nand already soldered on them. They also have blank storage boards for the Mac Studio. The prices are higher than what I would like but still much cheaper than Apple. I sent them a message to verify if it is what I think it is and I am waiting for a response. Here is a link.
www.aliexpress.us

Mac MINI M4 128G upgrade hard drive 1T/2T storage space expansion New 1TB SDisk NAND MINI M4 DIY SSD kit storage upgrade - AliExpress 7
Smarter Shopping, Better Living! Aliexpress.com
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