Wait until you get older. I can't do anything on small phones because my eyes don't focus that well anymore.
People have the same options you do and make different choices. I'm well aware I could have a smaller phone. My last smaller phone was really annoying for web browsing, which accounts for like 90% of my phone usage.
I’ve got a 12 mini. It’s just about usable, however I find myself using it less for things like the internet as anything in the top left is out of reach
Except if you have bad eyesight, enjoy gaming, long form reading, watching video while traveling, etc.
If you want to spend any significant length of time long form reading, even a 5+ year old E ink e-reader would be better than the biggest and newest phone.