It mostly depends on the life situation. Since COVID, I work from home, and if I travel, I rarely need the performance or could survive for some time without it.
What I like about going with the combo is that I would expect the Mac Studio to outlast the MacBook Pro. I currently use an M1 Pro from 2020. I could easily survive another 2 years, but things like battery and material wear are showing their signs.
A Mac Studio could last maybe for 10 years?