Metadata overhead is proportional to the size of the disk, as is flash reserve space. Also, Apple might have sensibly left some stuff out of the 64GB image.
It's terrible whatever it is. And it hates network drives. And iPhoto and iTunes hate remote libraries. And then they create local ones without asking and mess everything up. And if 2 computers share the library terrible things happen to the library and it gets corrupted (presumably the library stops matching the locally held file and its very easy to accident use the wrong remote library as after a disconnection a pop up asks which library you want to use. Pay careful attention at this point as a database rebuilt is the minimum pain one will experience with a miss click.). And the OS hates telling you what is taking up space so good luck freeing it up. Never again - although the 64 was accidentally ordered rather than the 128 and I assumed everything would be ok. It wasn't.