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Do you need one now, or you just want a new phone? If you need one now get a 12. If you have something that will get you through the next 4 months ok then wait for the 13.

I have an 11 and will not be getting a 12, but will probably upgrade to the 12s/13/whatever they call it.
 
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If you can afford to wait, wait. If you absolutely need a phone today then, well, you need a new phone.
 
If you need a brand spankin' new phone, order one or go to the store. If you are asking if you should wait till the next generation this fall, then clearly one does not need, but wants.

My advice if you have to replace a old dying phone is to look for a gently used iPhone 11 Pro or what ever used iPhone you want. I bought a 512GB 11 Pro Max for $900, still under warranty so I bought AC+ for $200 giving me another 2 years of warranty and accidental coverage. Lot cheaper than a new iPhone 12 Pro Max, especially considering the performance of the A14 isn't dramatic over the A13, and 5G doesn't exist where I live, heck I struggle with LTE.

The XS/XS Max is another good value in my opinion, and if I didn't break mine (I replaced the screen, but it didn't look as good as a genuine screen, so I sold it and bought the 11 Pro Max) I'd still be using it and reevaluate when the 2021 iPhone is announced. The speed of the 12 on opening apps isn't a night and day difference compared to the XS, that's why I didn't plan on getting another phone.
 
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I would buy a cheap used 6s or 7 (these are now around 100-150€) and wait for the new 12s/13, because I think that a 120Hz display will be a big thing.
 
At this point, if you can make it until September, you might as well wait for the next iPhone to be released to upgrade to the latest or get a discount on the previous model year’s phone.
 
if you buy a 12 now it will have a semi mature version of iOS to run on right off the bat. If you buy a launch day 13 it will be running a buggy beta version of the next iOS for a few months.
Im a steadfast proponent of never buying an iPhone until Spring because of this.
 
You're so close to the next model, why not wait? If you absolutely need a phone the Apple Refurbished would be a good option.
Wow crazy to think it’s only 4 months away! Wow. Time flies.

If you need a phone well either buy a cheap hold over depending on your budget to get the 13, or buy a 12 now. Up to you.
 
if you buy a 12 now it will have a semi mature version of iOS to run on right off the bat. If you buy a launch day 13 it will be running a buggy beta version of the next iOS for a few months.
Im a steadfast proponent of never buying an iPhone until Spring because of this.
Never experienced bugs so big in iPhones I would avoid it. Heck they fix game breaking bugs anyways. Even if it takes till spring regardless you would still benefit with the spring software fix by then if buying in the fall.
 
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