I'm selling my iPhone X and use the funds towards the iPhone 11, which will only cost me $350 to upgrade. not bad at all for me. There's no reason for me to keep my iPhone X while the used resale price keeps going down. The cost difference to trade in/sell the old iPhone really makes a difference towards upgrading every year. I don't qualify for the iPhone upgrade program since I'm with cricket wireless, but the ability to pay monthly is really nice. I wish I could do that. Paying monthly instead of paying all at once makes it more affordable to upgrade yearly.
I don't upgrade every year, and I probably won't upgrade my iPhone 11 for the next 3 years once I get it.
The reason you dont see a difference between the XR and 11 is basically they are the same phone man, come on now.