Cost of updating one of several toasted columns
An experiment says more than a thousand theoretical considerations:

/* helper function to create large byteas */
CREATE OR REPLACE FUNCTION noise(size integer) RETURNS bytea
   LANGUAGE plpgsql AS
$$DECLARE
   b bytea := '';
   i integer;
BEGIN
   FOR i IN 0..size/16 LOOP
      b := b || ('\x' || md5(random()::text))::bytea;
   END LOOP;
   RETURN b;
END;$$;

CREATE TABLE toastme (
   id integer PRIMARY KEY,
   a bytea,
   b bytea
);

INSERT INTO toastme VALUES (
   1,
   noise(2048),
   noise(2048)
);


Let's check the physical location of the new row in the main table:

SELECT ctid
FROM toastme
WHERE id = 1;

 ctid  
-------
 (0,1)
(1 row)


Now let's have a look at the toast table, along with the physical location of the rows:

SELECT ctid
FROM toastme
WHERE id = 1;

 ctid  
-------
 (0,2)

SELECT reltoastrelid::regclass AS toast_table
FROM pg_class
WHERE relname = 'toastme' \gset

SELECT ctid,
       chunk_id,
       chunk_seq,
       substring(chunk_data FOR 10)
FROM :toast_table;

 ctid  | chunk_id | chunk_seq |       substring        
-------+----------+-----------+------------------------
 (0,1) |    57174 |         0 | \x0f9eae178bcda3dbf745
 (0,2) |    57174 |         1 | \xecbe99e83b8416d4f31c
 (0,3) |    57175 |         0 | \x4b3b9425742c299c7d20
 (0,4) |    57175 |         1 | \x43d1b1782ad3e0c1bf4c
(4 rows)


There are two chunk_ids for the two table columns, each of which consists of two &ldquo;slices&rdquo; of TOAST.

Let's update one of the toasted columns:

UPDATE toastme
SET a = noise(2048)
WHERE id = 1;


Now let's check again:

SELECT ctid,
       chunk_id,
       chunk_seq,
       substring(chunk_data FOR 10)
FROM :toast_table;

 ctid  | chunk_id | chunk_seq |       substring        
-------+----------+-----------+------------------------
 (0,3) |    57175 |         0 | \x4b3b9425742c299c7d20
 (0,4) |    57175 |         1 | \x43d1b1782ad3e0c1bf4c
 (0,5) |    57176 |         0 | \xc780f3b8e2a5e4976f4a
 (0,6) |    57176 |         1 | \x5702616863dfbc54829b
(4 rows)


What do we see:


When there is an update of the table row &mdash; even if only a toasted value is modified &mdash; a new row version is written.
Only the toasted values that are modified are changed, the unmodified toasted values stay the same.