My thoughts. When you record video for the day and you are done and your files consume 22gb, if you are using a 128gb card then you will have 106gb remaining on your card.
When I record video for the day and I'm done and my files consume 22gb, I'm using a 512gb card and I have 409gb remaining on my card.
We both have exactly 22gb to upload to our computer at the end of the day.
We both have exactly 22gb to risk and lose if something were to go wrong.
We both paid roughly the same amount of money for our cards, probably no more than about $10 difference.
The only difference between us is the amount of storage remaining on your card after you are done shooting.
In 2027 when the Mavic 5 Pro 8K is launched, I will be able to continue using my card and you will likely need to buy another card. Just like you've done when you spent a ton of money on 16gb, 32gb, and 64gb cards which are basically worthless today for general use.
The purpose of large capacity cards are for emergency usage and to handle future large format files. Plan for the future. Microsd card space is cheap. No one should strictly formulate their recording and storage habits on the size of their microsd card. If you download and store at the end of every day, do that regardless of the size. You don't change from daily to every 5 days just because your card is 5 times larger. Find a good habit that works for you and stick to it regardless the size.
Instead there are benefits to larger cards. Should your computer become incapacitated for some reason, it won't adversely impact your drone card usage. If you forget (because you are not perfect) and you need more storage for whatever reason, it will be there and you don't have to carry extra cards. Surprisingly people don't generally lose cards or open a card and find the files missing or corrupt. Such intense card management is not really a thing unless you are a true professional with specific needs. Still, microsd cards are just one of the "weak" links, you need to consider your NAS setup, backup, and everything else. Focusing on simply limited your exposure at any one point really instead a good strategy.
I like to have a dedicated microsd card for each drone/camera/device I own so I recommend one of these for storage: