I keep the bare minimum on my phone (something to read, music) and use very few apps, so 64GB could be enough for me, but I have other requirements for my phone and those often collide with storage so I never find anything with less than 128GB.
I keep backups on my PC, and that’s where I funnel my funds for storage lol
Currently using 12GB for system and 9GB for apps, then I have 30GB for music + documents + backups (that I mirror on PC) since I never stream anything, so 64GB would be a bit too tight for me haha