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Database storage must cover the compounded data growth plus indexes, which commonly add 30 to 60 percent, plus free space for vacuum, rebuilds and temporary sort files. Compounding matters: 8 percent monthly growth over eighteen months is nearly a four-fold increase, so provisioning on today's size guarantees an emergency resize.
Storage projection
projected data = current x (1 + growth)^months; with overhead = projected x (1 + index share); provisioned = with overhead x 1.25
Generally no. Most managed services allow growth but not reduction, so over-provisioning is a permanent cost. Grow in steps rather than in one large jump.
Index rebuilds, vacuum operations and large sorts need working room. A database at 95 percent full cannot perform maintenance, which is how it becomes unrecoverable.