Interesting. I don't particularly stint in my usage; Google reports I use 34 gigs in my old G Suite Business account.

I will definitely pay more if I need to.

I have some level of personal storage backing it, along with paid backups, but I trust Google SRE to store my data long term far more than I do. Having an equivalent infrastructure would be no small project, far more than $20/mo. I've had a few data loss events over the long years.