IMO the Macbook Pro lineup should start from features designed around users with "pro" needs, the Air (or in the past the non-Pro Macbook) are for e.g the business person more likely to write documents, spreadsheets and whatnot and thus not need a ton of RAM or disk space. To me the M2 Pro + 16 GB + 1 TB spec should be the base spec for the MBP lineup.
The base spec for the MBP is M2 Pro + 16GB + 512GB, close enough to what you say and a decent enough prosumer setup. Forget the 13” MBP, that’s just an air with active cooling, Apple said so themselves.
Yet you don't want to be in that small section of users with dying SSDs. On a more sensible system, you would simply replace the M.2 drive with a new one. On an Apple device, you can't. There is no good reason for the non-upgradeable drives, there are tons of laptops that easily fit a standard M.2.
I see this as Apples problem, not that of the user. Since they offer extended warranty as a subscription now, figuring out how to fix failed SSDs is up to them. And they seem fairly confident that the SSDs are as reliable as they get.