Hmmm...I'm still using my 3a XL, and 64GB is still plenty for me. I guess it just depends on individual needs.
To answer your question, I actually think it's almost always better to buy an unlocked phone independent of the carrier, and use a lower-cost MVNO, which almost always results in saving money.
But if you really need a postpaid carrier plan, and you're paying for it anyway, and if there's some cost incentive to buy a phone from the postpaid carrier, then I guess you're kind of stuck, unless you just want to give up any savings incentive.
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