It is worth it for due to the Qualcomm modem. My sister is also on Verizon and lives 20 minutes away from me and have a better connection on her android phone than I do. I’ve been saving since September 2019, for the 12 Pro Max so I already had the money since September 2020. I’m paying outright and if I upgrade next year, I’ll just sell my 12 Pro Max and upgrade to the 2021 Pro Max.