I think this depends on how varied your riding is.
I currently have a short/mid-travel 27.5 full sus; a do-anything road bike with fat and skinny wheels; and a Brompton. Each does something really quite different.
I recently switched my MTB from a 27.5 hardtail to the full sus. It’s less versatile, in that I used to run the hardtail as a rigid singlespeed over the winter months.
I’m currently deliberating building-up said hardtail as a rigid singlespeed to run alongside my existing 3 bikes…
…and that’s how you end up with n+1.
(I also have to consider the three bikes that my wife and kids have between them!).