The quad 48MP is marketing BS, as each of the 4 sensors only has one colour, so it‘s only 12MP in real terms. [There is no additional detail in 48MP photos vs the 12MP]
It’s a sneaky way to increase each photo file size, which ultimately means people need to pay more for the next tier up iCloud storage.
As Apple have ‘locked’ in users to their system, this is increased revenue for Apple, from their users…….for the rest of their life.
I’m not sure that I buy that. If there’s no additional detail in the photo, the outputted HEIF won’t be significantly larger.