It really depends on what sort of applications you will develop.
Most programs use RAM1 for nearly all variables and RAM2 for buffers and larger arrays. Sometimes the PSRAM is really needed when you just can't fit your usage into the 1MB on chip. But the PSRAM is so much slower (except most access usually hits the fast M7 cache) that many programs don't make a lot of use.
Then again, if you're doing something like buffering audio or other fast data before writing to SD, or a large graphics frame buffer, or other special applications where a large memory buffer is needed, the PSRAM can be quite handy. The common scenario is most or all of the PSRAM used for some special buffer or data array, and all other variables in the normal RAM1 & RAM2 memory.
Much has been said lately of performance using LittleFS on QSPI versus SD cards using SdFat versus MSC media on USB host. Latest beta have LittleFS which can use part of the program memory too, though doing writes to program memory stalls your code, so that's probably best for things you'll store once and usually only read.
I don't have answers for you, but rather some suggestions of the questions you should ask. The main question is whether your usage of storage media will be mostly writing (like data logging) or mostly reading (like accessing infrequently changed resources like sound clips, images, fonts, etc). How you actually intend to use the storage media plays a strong role in deciding which is best for you.