I don´t get this prolonged discussion. The thing here is, that you, and only you, are solely responsible for your choices. You need to know how much you need, and what package that suits you.
Wherever you go in to a shop and talk to a sales person, disregarding country, they will always try and promote their products and sell your a product for as high price as possible.
Just stop in your tries to make the provider, shop or sales person wrong. It´s your choice and your responsibility to know what you need and make the right choices in life. The sales person work for the company, and is not there to hold your hand.