The problem comes in my experience mostly from using Adobe apps. I use iostat to check disk usage daily and do not have any special tools installed but I check everyday.
Yesterday I used After Effects several times, Photoshop, Premier, Indesign, Illustrator as I am a marketer and web developer. At by the end of the day I had written over 1 terabyte. The files I rendered were less than 10gigs in total themselves, but it did involve closing AE and opening it several times through the day.
Each time i open after effects it eats about 30-40 gigs. If I render a 1gb file with after effects, it will use about 150gigs during the render.
The total manufacturer suggested writes for a 256gb model is supposedly around 150tb. Realistically it probably will last up to 500tb~.
At the current usage rate it would last half a year or up to 2 years if I am lucky.
I will not use it so often and try to space it out. If you are an advanced user or use the device for work requiring Adobe Programs, I would recommend avoiding these M1 variations for now.
Adobe is working on a native M1 AE which would use less swap memory.