Money not spent on storage (that you cannot charge anyway) does not evaporate. You can instead spend it on something else more useful, like more panels. Money is always that way.

And, storage adjacent to the point of use is less at risk of being wholly unavailable, e.g. if there is a problem with the cable. So, you need good reasons to put it somewhere else. That is not to say there cannot be such reasons, but what they are is of interest.