The priciest part should be the SSD, and most people are fine with a small SSD and use the microSD for overflow. I'm similar to you, I just chose a 16GB i7 256GB model SP4 with the Alcántara keyboard, and it came in well under 2K. Super powerful and the price point well beating a comparable Mac was one of the top selling points for me.
I have storage coming out of my ears after years of collecting disks cards servers and clouds so I have no need to buy a larger SSD.
Being forced into a higher bracket would make me look around more. The clearance SP4s are a great deal right now and I'm not regretting my full-price purchase.
I've got 256GB currently, and I definitely couldn't go smaller, but it only becomes limiting every few months. 8GB RAM on the other hand, is 85% full nearly all the time, so I actively make decisions to work around that.
I have storage coming out of my ears after years of collecting disks cards servers and clouds so I have no need to buy a larger SSD.
Being forced into a higher bracket would make me look around more. The clearance SP4s are a great deal right now and I'm not regretting my full-price purchase.