Like @airwhale, I too tend to keep my Macs for quite some time: I got the 2010 Mac Pro in 2010, the month it came out. And retired it in December 2019.
And my laptop is a 2014 MacBook Air. I use it as travel machine, to offload images from my cameras. I lust after a newer machine, but so far have resisted (with help from my wife 
)…
And I too got the 64 GB Mac Studio. I ordered it the month it came out (I got my annual bonus that month as well 
!). Mine has 1 TB internal storage, as I already had plenty of external HD and SSD drives.
I used, and still use, an Intel Mac mini in the interim, but I knew that was a stopgap machine between the Mac Pro and an Si system.
So what does this mean for you? I don’t know. If you tend to upgrade you machines on a regular basis then go with the minimal viable system. If like @airwhale and @simonsmark and me you keep you machines for the long haul, max it out as much as you can reasonably afford.
I’m very happy with my Studio. Photo processing “flies like butter!”.
Good luck and have fun whatever you (and your wife lets you! ) decide.