True also - i normally just need 1 physical sim to change during my business travel. but now also can't travel for business ... 

Still using Xs max HK set till now, reason for me considering upgrade:

1. Bigger Screen.
2. 256gb now is reaching its max usage, only have 50gb left.
3. Wide Angle photo is something i like, didnt get the IP11.

But i do wish they returned the Touch ID - as now with Mask - Face ID is really a hassle.

Unless they come up with a software update for Face ID where it scans the eyes as priority to unlock - lol.

Two meanings :

1. Locked to the service provider you got the phone from. But here in Malaysia, the law does not permit telcos to lock the phones they sell.
2. Phones purchased with a plan through telcos when instalment payments are not made, the telcos will lock the phones rendering them unserviceable.

So, which is it that you are meaning to ask?