I will say that the M1 Max may be overkill, but I got one anyway and love it. I previously used an M1 for a year and it handled 98% of my work just fine, but I love having a machine that NEVER stresses no matter what I throw at it. I will probably still be using this machine even after the M3, M5, and M7 are old news. That to me is worth the price.
I really hate all this overkill discussion, but in your case specifically, even if you don't use the max capabilities of your computer 98% of the time, that means you *need* that capability 2% of the time. Anything that makes what you do easier and less upsetting is well worth paying the price for it.
For me it's the same, I don't need all this computer power, and think of me having almost 3 times the amount of computing power in front of me. A Studio Max, a Windows Workstation with i9 and 128G of RAM (every bit as fast as my Studio), and a couple other computers. Do I need that all the time, heck no, not even close, but anything that makes what I need done easier and faster, that's what I'll do, every time. Nobody can tell you what you have is overkill as they cannot possibly know.
My next upgrade will probably be a Windows machine, but after that, an M3 Max or better will be nice.
. I keep computers a long time, but my front line get upgraded fairly often.