Two things:
1 - If you buy a phone with a 41mp or a 20mp shooter, one presumes you take photos with it. Now, thinking about the 1020, for example: I just took 19 photos out of it. You know what size those 19 photos took (and I'm only talking about the size of the high-resolution ones)? 220MB. And I WASN'T shooting in RAW. If I were, those 220 would easily become 440MB. For 19 photos.
So the photos alone can eat up a lot of space, specially the higher the shooter megapixel counter. The 930 has 20mp already which means it will fill faster than the 920. 32GB go away in an instance.
2 - Some of us more hardcore gamers can't do that. We hop and switch from game to game. And the "If I want to play some again later, just download it again" it would work IF all the games on WP had cloud saving. Which they don't. Meaning, 90% of them, if you uninstall them, you lose all the progress. And as far as I understand, 8.1 didn't REALLY solve that as it requires developers to update the game to allow the game data to be backed up.