These threads are interesting because everyone always gets so damn defensive. You have those who justify saving the 150 to opt for 64GB (they may say they done use much storage anyway or have cloud storage) and those who justify spending the extra by claiming those who went for 64 made a mistake,
Truth is both sides can’t admit that Apple screwed us all over by intentionally eliminating the 128GB model which I guarantee you the vast majority would have gone for. The sweet spot was 128 and 256 is too large for most users. However those who don’t need 256 but were happy with 128 are ina dialema because of Apples move. So yeah if you have iCloud I do agree you can get by. Personally I had a 128 iPhone 7 and went for the X, I went for 64 because I already pay apple for 2TB of iCloud and I don’t want to be bullied into a 256 option I never would have bought , but I won’t lie -64 isn’t ideal, the sweet spot option I truly wanted no longer exists. Apple knew exactly what it was doing