The only reason I buy nicer phones is for the camera. My kids are getting older and I'm not taking 100 photos a day anymore so when my iPhone 12 Pro is retired I'll likely get whatever iPhone SE is current and call it a day. Hopefully by then they'll have FaceID and a full coverage screen like every other iPhone. But hopefully no dynamic island. I can't stand that gimmick.

My folks both have an SE (a 2 and a 3), and the photos are much better than you'd expect for a $400 phone. I've used them and they're plenty fast, it's really only the tiny screen that would give me pause.

If ~$400 can get you 5-6 years out of a phone that's a steal.