Just looking for advice! I am on the annual upgrade program, but am very happy with the with the iphone 8 (especially the size). Is it foolish not to upgrade to the Xs (or even the Xr)?
In my personal opinion, if you do not upgrade, next year you get to keep the iPhone 8 AND if you decide to upgrade then, get the new one at the time, and if you choose to, sell the 8 and make some money on it.
You do not have to upgrade every year, they just make it easy in case you do.