With iCloud Box and Dropbox etc this time around storage wasn't a huge factor in my purchasing decision.
Besides when it came down to it I just took whatever models the last of three different stores had one 5s and 5c.
I agree with your husband; more is better (I hope I used the semi colon right). 64 GB is essential to store a lot of music and videos. 32 GB is okay, but 64 GB is better.
As I always say, with cloud services and streaming, 32 GB is plenty good for me but bigger is always better. It just depends on what type of user you are.