Even now prices have apparently come down but larger drives often only come with high end SKU's. Looking at the MS Surface page (https://www.microsoft.com/en-au/store/config/Surface-Laptop-...) 512GB is only available if I also get 16GB of RAM and a core i7 model, which is well beyond my needs and desire to pay for. 1TB is only comes with the silver model.
So even my next laptop might feature spinning rust, if any exist. On the plus side HDD's add a level of chunkiness I like in laptops.
Upgrading myself is probably the best option, but there's a minefields of things I'm not confident with when it comes to mobile hardware.
IME running linux, especially a lightweight distro, makes more of a performance difference than an SSD anyway, at least with my usage.
Edit -also at $170 it would just about be doubling the price of an otherwise acceptable laptop, so hardly a huge win.
There's very little that can go wrong when cloning a 2TB or less drive and it requires $10 of extra hardware.
If you're happy with installing your OS from scratch, like you would when switching to linux, then there is basically zero reason to hesitate on putting in a new drive. Drive bays are designed for easy access.
"Chunky" laptops will have replaceable parts (which really is not the case of the surface laptop). Getting an aftermarket TB SSD (whether m.2 or SATA) costs 100~200 and takes a few minutes to swap in. You do not want to BTO this sort of upgrades unless you know aftermarket upgrade is not an option (because everything is soldered as in the surface laptop or most modern MBPs), manufacturers way overprice RAM and storage.
Obviously M.2 or NVME or PCIE would be a lot better. But even old SATA still made a huge difference.
As an application drive, or a drive in a device where the only other moving parts are input keys and fans, SSDs are completely the way to go. Even if dropped weirdly at least the data is probably recoverable.
Unless it's cheep bulk or high-write turn over spinning rust makes less and less sense. Though the cost for bulk storage still favors it. (Given the write endurance, I'd also prefer SSDs to be at least half as expensive.)
Also, I'm not aware (offhand) of any M.2 form factor spinning rust, which brings us more to the topic of types of flash memory.