I think you should downgrade from the Max, all it will literally give you is bragging rights... very unlikely your use case will ever tap into the extra GPU cores. And especially given your use case, it's unlikely you would ever see a difference between what the beast of M1 Pro already is and can do as compared to the extra boost the M1 Max gives you.Well that's the thing I could hve got a "stock" Pro 16GB 1TB hdd top line 'stock' model on next day delivery from a local retailer but thought 16GB might in a year or two get a bit dicey especially with possible gaming via Parallels and other VM usage for development
Like I said I at least right now doubt I'll fill up 1TB based off current storge on my 2018 MBP (I don't do gigantic video editing) and even if I do I can easily get 256GB / 512GB form fitting SD card when transcend makes them available for the 14in and probably much cheaper than Apples cost.
The 44,000 for 16 - 32GB on the basis seemed worth it for VM's but at least right now I don't see me needing 64GB ? - other people have been commenting about how you will *know* if you need 64GB and maxing out is a waste of money. Like i said my 2018 mac mini still has plenty of free RAM and memory pressure is green / less than 50% with VM's running + 2 x dev IDE's + firefox with loads of open tabs + 2 x Node JS dev servers so it seems like 32GB is good fit.
So well M1Max chip was luxury upgrade for the sake of possible gaming and because 44,000 a piece for 32GB -> 64 and 1TB -> 2TB would have added $750 to already $3k spend.
I do think 1TB SSD and 32GB RAM is best for you.