You should not presume to know customers' needs or wants better than they do. YOU obviously are the kind that want the newest an shiniest piece of tech, but most people don't really notice the difference in performance between Thunderbolt 4 or 5. I don't think anyone would seriously replace their computer in order to get that brand new bluetooth or wifi 5G.
I'm not pretending to know about customers needs. What I know is, if a customer bought a shiny new M3 MAX MBP with 96GB of RAM and Apple comes up next year or the next with an external GPU that can boost 3D performance up to 2.5 or 3 times faster than what the M3 MAX chip can do but can only be connected to an hypothetic ThunderBolt Pro port that would come even with the base M4 pro machines with 18 GB of RAM, some customers would feel the itch to upgrade or to upgrade earlier than what they had planned. Same with 5G modems or lossless audio. These may not be of good value to you or me, but it can be enough to make some people upgrade faster no matter the amount of RAM their current machine has. Apple has also a tendency to introduce features that arbitrarily work only on the most recent machines like the battery cycle count display on iPhone 15, the pinch gesture on AW9 or the lossless audio on USBC APP 2.
YOU obviously are the kind that want the newest an shiniest piece of tech
Were you the one saying I was presuming to know customers needs and wants? I just bought a base M2 MB Air to replace a 10 year old MBP I used daily since the time I bought it new in 2013!
Surprisingly, Apple doesn't support it anymore even though it has 16GB of RAM and a perfectly working 512GB SSD while my M2 Air runs Sonoma and all the latest Apple apps with its paltry 8GB of RAM and slow and swap burdened SSD.
I chose 16GB of RAM 10 years ago because I needed to make raw photo editing, not for future proofing. The latest OS that is officially supported on this 10 year old MBP is Big Sur and it was released three years ago. It could surely run Sonoma, but as I said previously, Apple likes to arbitrarily "unfuture" proof their machines with chips, ports and features.
So even if I did buy your future proof assertion, selling the computer back or buying one used comes with a built-in point of failure. Having both upgraded RAM and storage indeed future proofs the computer because you get considerably more read/write cycles.
In theory, SSD failure due to swapping is plausible. However, I suspect the possibility for the average customer to use its computer to the point of SSD failure to be incredibly low. I beat the heck of my 10 year old MBD SSD. It's been partitioned to run windows, then repartitioned again, it swapped like crazy during photo editing (even with 16GB RAM), stored high res photos during edition, etc. To this day, it's as fast as it was when new and I encountered absolutely no problem whatsoever with it. And this was a SSD built 10 years ago. So I imagine SSDs improved even more since then.
Of course, this is anecdotal and is solely based on my personal experience and you would be right to mention it. That being said, maybe Apple is also confident in its SSD chips and that is why stock configurations consist of 8GB RAM with 256GB SSD or 8GB with 51GB SSD and not 16GB with 256SSD. Swapping doesn't seem to worry Apple engineers. Nevertheless, having backups is always a necessity. Bad chips exist and no one is ever entirely protected from a hard drive failure whether it's a 256GB SSD or a 4TB one.
A funny thing about SSDs is that even if people seem to be scared about their durability, they are the reason customers keep their computers much longer now. Since their introduction, computers got crazily faster to the point people feel less the need to upgrade which is a good thing for the environment. I never managed to keep using a computer full time for ten years before my SSD equipped RetinaMPB.