This whole discussion started with this statement from me: "For regular users the need for storage has in fact gone down the last decade".
You seem to point to examples of use which isn't very common for what I would call 'regular users' any more.
This is a desktop computer.
It's not a Macbook or MacBook Air where you could argue its only being used for internet on the go - for many users it's the main household computer.
I don't subscribe to the idea that a main household computer (or any desktop computer) should "contain all the data of a household". I grew up with PCs when they had no local storage at all.
Also you seem to do a form of computing which isn't very common for regular users anymore and which Apple has abandoned: A (desktop) Mac is a mothership which contains all data. Other devices (iPhones, iPad) connects to the mothership for backup and synchronization of data.
Shipping it with just 256GB of storage is taking the piss. Requirements for storage haven't changed since 2019 and every entry level model of iMac up until then shipped with a base of 1TB storage, as it did in 2017, 2015 & 2014 too. It wasn't until 2020 when Apple changed from a spinning drive to SSD that all of a sudden 256GB was 'enough'.
Not being able to backup my iPhone to an entry level desktop Mac is ridiculous.
It's a cynical move by Apple to force people to upgrade their storage either in the cloud or at the checkout, both of which completely alter the price point of the 'entry level' iMac.
It's got nothing to do with changing demands and everything to do with money.
My argument is that most regular users wouldn't have needed 1Tb of storage in 2019 either.
Most regular users don't connect their iPhone to their Mac to create an backup. They either use iCloud or don't backup at all.
Here's why so many regular user's have less need for local storage than before:
* No storage of movies or TV-series (replaced by streaming services)
* No storage of local music library (replaced by streaming services)
* No backup of iOS devices (they never did it or replaced by iCloud backup)
* They don't do Mac backups by themselves so they don't have a need to have everything local to make a Time Machine backup
* They don't care if data is stored locally or on in the cloud, mostly convenience and price determines what they prefer
It's causing a problem for you because you haven't changed the way you are using a desktop computer and you aren't willing to solve the problem by spending more money.
The main reason why Apple isn't providing a 1TB SSD as default, is because it is much more expensive than a 1Tb HDD.