Not to worry, it's not as you fear. Storage (various hard drive options) is larger and cheaper than ever, and there are many ways you can have large amounts of it with any desktop or laptop system.
As far as I know, no motherboards have storage built into them. Computers can ship with varied amounts of storage configurations and many SSDs are now NVMe sticks, which to the uninitiated look like a chip compared to a classic spinning 5.25" HHD.
But even that is just another storage option. You can get them large. If the computer you bought has a too-small one, you can pull it out and replace it with one of higher capacity.
Yes, many owners of data warehouses and server farms (Amazon, Adobe, Microsoft) would like to sell you cloud storage (rental of space on their own hard drives). It's a optional business model.
But local storage is not anywhere near going away. Back to your first statement:
You can buy that bargain laptop with a small 128-256GB boot drive (and no other storage in it), then you might think that when you fill it up, your only next option is to pay for cloud storage, but that's not the case
Don't buy that bargain laptop. Here are some options:
- Get a laptop with a much larger drive.
- If you look for a new computer (desktop or laptop) that has a 2nd hard drive (which can be several TBs of storage) in addition to the boot drive, you will find it.
- If the computer you fell in love with doesn't come with a 2nd hard drive, you can get one put in (either order it that way special or get pay a tech to do it).
- If you buy a new computer with ports (USB, etc.), you can always plug in a new external drive. Cheap and easy (though there are faster storage options).
We're doing fine. Don't give up.
Chris