I have iPhone 12 Pro max and I can say if you gotten the iPhone 12 you will be vary happy with it you have A14 vs A12 wish is a major upgrade you have longer IOS updates then on the iPhone XR you have wifi 6 you have 5G over all I say if your going too keep the iPhone 12 for the next few years it will be a grate upgrade from the iPhone XR
I recently went up to 12 pro max because my dad needed a new phone, so I gave him my XR. I love my new phone—it feels like a fancy new toy, and if I were traveling, I’m sure I’d be really glad for the camera upgrade. But I’d still agree with the others. The XR is a perfectly good phone.
I'm on my third year as a XR owner. I'd like to see what Apple Says about the New Iphones for this year, but I'm happy with the XR, even with Battery Capacity at 89%