If 256gb is sufficient on a phone, why would you need more space for photos on a laptop?I do think 256gb is too small because those everyday users do take a lot of photos
One reason I can think of is backups. You always need a Mac with a large capacity HD for each account. I think a better solution would be if Apple offered a proper backup solution for media (Music/Photo libraries). Then you can live the Phone/iPad/tiny HD laptop life and still back up what matters.