All I can say, I still hadn’t moved an inch from iPad (despite having an old Air 2). Because it is a consumption device for me mostly but when I want to play with it (games, Garageband, some photo editing, video editing etc), it comes very handy. Android is still many steps behind and has not even a smallest part of apps that are available for iOS.
I have few questions.
Why would you want iPad Pro? Just for the OLED display? It barely differs from iPad Air, and you won’t feel a difference between M3 and M4. Air is much cheaper, if I were you I would have considered Air first.
Second question is why 1 TB? iPads are now USB-C and you can connect external drives any time, so you don’t have to overspend on storage anymore. Sure SD card is more convenient, sure Apple’s storage is overpriced. But overall experience is still worse on Samsung tablets.
As for the pencil, idk. Do you really need it for your tasks or it is more of an impulsive decision? Pencils are for artists, I’ve never considered one because I come from Steve Jobs era and his still support his “who needs a stylus?” philosophy. Same for keyboard, I have a Macbook Air for keyboard experience, a real laptop with real operating system