Take advantage of the 14 day return/exchange. Get the size you need. Eat the restock fee.

OR

Buy a lot of cloud storage.

Return it and get the larger capacity you need. Your well within the return period.

Why do you think 128GB would not be enough? I’m using a 128GB iPhone 11 for almost three years now. Never came close to it being full.

I did the same thing, and returned it and got the 512gb instead. I tame a lot of raw photos and videos

You’ll be fine if you keep an eye on how many photos you have on your device. I’ve been using my iphone for 3 years with 64GB and it’s just enough for me.

When I’m going to buy a new one, I will buy one with more storage to avoid storage stress. But you can live with 64GB or 128GB if you send a lot to icloud (or any backup service) and delete old stuff you don’t really need.

I’ve been on a 64GB XS since launch, 128 is absolutely fine for a long time. Just be smart about how you use your storage