Flagship Android phones prices getting higher because they make profit via the hardware with excuses like Qualcomm 5G modem expensive etc. Apple is now getting more revenue from Services, hence they no longer sell iphone at such high margin. Makes sense for Apple to get more people into their eco system so that they earn from Services revenue.

I thought I will get iphone and make the painful switch from Android to Apple. Apple software much more stable than Android and the support cycle much longer. But the 120Hz screen... I need faster refresh rate because I read a lot from phones... my eyes getting painful...

120Hz does help reading?

Well said. The fluidity of 90hz or 120hz display is really something that once you get used to, its hard to go back to 60hz. I would not say its a necessity but having it would be a luxury most of us look into having after paying top dollar  for a top of the line model from a phone manufacturer. One of the hurdles Apple would be facing should it decide to use the 120hz or 90hz screen on the current line of Iphone would be the optimization of its firmware to meet the battery drain from the 120hz display. The small capacity battery on the Iphone 12 Pro Max would not be adequate to accommodate the demand of battery juice from the 120hz screen.
Many current android phones with 120hz displays are coping with the increase in battery drain from the screen by providing batteries with larger capacity batteries but it seems to be just not enough. Another issue would be Apple would also need to make its app developers come up with 120hz compatible versions of their apps so that it will run 120hz displays on its phones. So basically we could put it at IOS is still behind in this tech and implementation takes much time and effort to make it work and hence the need to delay implementation to the next iteration of the Iphone for next year.
Whatever it is, it would be up to potential buyers to decide if this generation of the Iphone would be worth getting.

With the mini, powerbank is your best friend..  in this recent 2-3 years my powerbanks already collecting dust, phones are having large batteries and last easily the whole day (plus fast chargers).. can't imagine to go back to powerbank route

Tried Baseus 65W dual PD and QC charger on my ipad pro 2020, never know it can charge to 39W or more. Will try if I can charge more than 29W iPhone 12. iPhone 11 definitely can charge up to 29W.

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So different leh. One so big, one so small. What device are you using now?

Pick middle one. Best of both world. Lol