I've been a Note user since 2011. Price isn't what is holding me back from upgrading my Note20 Ultra. The lack of a microSD card slot, and believe it or not, the MST tech for Samsung pay is what's giving me a bit of anxiety to upgrade. I've heard people say that Google pay and Apple pay work everywhere because "everyone" now uses NFC card readers and also cards with chips. Well, tell that to Firestone Auto because everytime I go in there for service, they are always amazed how my Note20 Ultra works on their card readers, especially since they don't have NFC. They always start with "Sorry we don't support Apple pay..." and while they're still blabbing they hear the reader beep and they're amazed. So, yeah.. The S24 Ultra isn't the upgrade for this Note20 Ultra user 👨🏿 . I know an upgrade is inevitable since I'll stop getting security updates by 2024/2025, but I may hold on to this Note20 Ultra longer than I'd like to, unless ofcourse Samsung brings back the microSD card slot and MST.