I think your idea is a decent one if you would have to cut back your storage immediately. However, that's not the case because if you are over 5GB, then you get 1TB for 2016. Might I ask which Lumia model you will still be using in 2017??
Nope, your incorrect. We still lose our 30GB unless we SIGN UP to Office 365 free trial subscription which requires a credit card even if it doesn't get charged for the first year. Most people don't want (nor trust) to sign up to another new thing solely because Microsoft had a new idea. And if they are prepared to give away 1TB if I jump from some loops, why can't I just keep my 30GB?
Also, does this not encourage mis-use? Microsoft are basically saying to all users under 5GB to exceed your limit now quick so that you are eligible for Office 365 which makes no sense considering the reason they gave for these changes in the first place was mis-use!!
Also I agree with your point about it being unlikely I will be still be using my Lumia in 2017. Exactly - so why not just allow us the storage on our devices until we go, won't be long to wait for them?