Used enterprise drives and a SAS controller. Last batch of SAS drives I bought were 16TB for $115 each.
Unraid (and I think ZFS and Ceph as well) supports adding drives 1-by-1 and different sized drives to your array. You can just buy single drives or spares whenever a sale comes around to keep expanding your storage.
I don’t think there’s a c/datahoarder. But that was exactly what the reddit community was called.
The person you’re arguing with is likely running a private ‘netflix’ instance using Jellyfin or Plex. It’s not my cuppa, but I think I have every episode of every season of Below Deck, Love Island, and Bachelor/Bachelorette on my instance.
You start running out of space pretty quickly when a dozen people are using it for their daily media consumption.