Do you really need it to be a laptop?
If it's going to sit on your desktop most of the time, you might get much better value for money by going with a used or refurbished mac mini M1 or M2 with 16GB ram, they're plenty powerful, and get a nice big screen or TV for cheap. Then you could (like I did) get something like a few years old intel macbook air for almost nothing, for the occational portability, and sync them and your iphone via icloud.
I totally agree that a 256 or 512GB SSD is fine for OS, apps, and essential files, and then use the MUCH cheaper M.2 NVMe enclosure solution for video, photos, etc.