I have an S20FE that's still chugging along, was hoping this phone would indeed be more than what it is but for the processor and no UFS 4.0 I may well be using the same phone if I were to get this. Don't see why I wouldn't get the S23 or zenfone 10 over this, the chipset and screen make up for the price difference.
I'm in the exact same position and if there are no compelling Black Friday deals for the S23, I'm probably gonna hold on another year. Or I'm gonna go back to OnePlus.