I have an iPhone 11 Pro and if I upgrade this year I am just being an absolute mug. The design changes aren't exciting anymore like they used to be in the early days and 5G in the UK is pretty worthless right now, in fact its not great worldwide and is just not needed. The 4G speeds I get are more than fast enough, I navigate to a webpage, it loads instantly, what more do I need from such a small device?
If you believe the rumours Apple removed the charger and EarPods as 5G is more expensive, so you are losing things out of the box for something you don't need, and for many people will not even be used potentially until the iPhone 13 or beyond.
Nah its a hard pass from me, especially as I have just bought a Series 6 SS with SS link bracelet. I think I have spent enough 😀