iPhone 11 and iOS 13

Matthieu ~ "1. Available space is less and varies due to many factors. A standard configuration uses approximately 11GB to 14GB of space (including iOS and preinstalled apps) depending on the model and settings. Preinstalled apps use about 4GB, and you can delete these apps and restore them. Storage capacity subject to change based on software version and may vary by device." [Source: Apple]

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iOS 13 takes 5,68 GB on my iPhone XS. I guess it will take basically the same amount of space on iPhone 11.

For years I've been buying 64 GB and 128 GB phones, and all of my data took about 20 GB because I was using iCloud: photos, videos, music, messages, notes, etc. Everything is stored in iCloud so why pay more?

The amount of storage is not relevant in terms of ability to run iOS 13. It will run on the 11 no matter how much storage you select. Storage is only relevant to data/apps/media you want to store on the device.

That said, a good rule of thumb is buy as much storage as you can reasonably afford. That applies to pretty much everything... Smartphones, laptops, desktops, servers, etc.

As with the closets in your home, you will find that 'stuff' accumulates to fit all available space.