I'm a huge fan of the SE 2020, but it's not a phone for everyone.
It all depends on what you're going to do with your new phone.
Light usage, a bit of social media, messaging and a few calls? Use a mac or an iPad for everything else? Get an SE 2020, it will be perfect. I can personally confirm that the camera of the SE 2020 is actually surprisingly good. There's a whole thread on here somewhere (dozens of pages long) about iPhone SE 2020 photography, if I remember correctly.
Are you going to use your phone for pretty much everything and don't use a mac or an iPad at all? Get an iPhone 12, or, as others have suggested, wait until September and get an iPhone 13 for the same money.