FWIW, there's a "product packaging hack"¹ that gives you 4TB if you pay for both Apple One Premium and iCloud+ at total cost of $40/mo. It's not a great value, but it's possible. I'd bet on them adding a 4TB plan in 2023.
All I want is a roadmap to ever increasing tiers of storage, like google, so I know if I need to, I don't need to do a big migration once my life history gets too big. Good to know about the hack.
¹ https://mashable.com/article/apple-icloud-plus-plans#:~:text....