From the point of view of an SQL engine in 2025, 100 million rows is a tiny table. You can add a surprising number of zeroes onto that figure and a single modest SQL node will handle it with no special effort. 100 billion, with a B, is not difficult on a single beefy node today. I think your points all still stand but consider refreshing the actual numbers. I personally start getting "the itch" around 10 billion (or if it looks like it's going to become 10 billion) these days. If a table gets there, I better have a plan to do something else.

I had a 200 billion row table that was operationally still manageable but, IMO, I had allowed to grow out of control. The enterprise storage costs a fortune. Should have nipped that in the bud by 20 billion at the latest.