I don’t know what pre-builts you’ve seen, but when I bought 2 middle-range laptops 5 years ago, all the models were between 500GB to 1TB of storage.
And it’s not a trap when most people aren’t going to fill 5TB of storage with their accounts spreadsheets but they are going to notice the performance difference between an SSD and a HDD.
Yep. 500GB-1000GB is 2010 level of storage. And I in my experience they fill it up with photos and videos and then move onto unreliable, expensive, slow externals.