I won’t go for 64GB for myself. I am using iPhone X 256gb now. And I am buying 512GB or even 1TB iphone 12 pro max.Neither, I wouldn't get anything less than 128GB space in a phone these days. In the case if the SE I think it's $50 more.
this one is meant for my dad who is not IT savvy. That’s why I consider iphone X instead of iPhone SE. not only becos phone X is slightly cheaper but also becos it has a bigger display. I myself already find iPhone X display size is normal only. I would think that iphone se display size will be a struggle to my dad. Also one thing is that iPhone X has a better display and still quite powerful enough for normal usage for my dad.