Lol I have plenty of disposable income and opted for the 16GB. I don't download HD videos to watch on my phone (if I have time to watch a video, then I'm probably near a TV), see no reason to load my entire music library onto it (my current playlist is around 300 songs), and wouldn't keep thousands of photos on it (I currently have 179). E-mail and web browsing are my primary uses for the phone. Picture taking, listening to my current playlist, and ordering food through apps are secondary. The rest is tertiary. If I ever start to run out of space, I'll just transfer stuff to my computer.