When I got my Note 3, I was tempted to wait on the 64GB version, but decided in the end that 32GB with a 64GB card would be enough and went with that.
Apps2SD support in the Note 3 helps, as does the fact that Google Play Music now supports SD cards as a location for pinned music
I've seen plenty of rumours about the 64GB Note 3, but no hard evidence yet - you could be in for a long wait if you decide to hold out for it!