TBH, most pics/videos taken from mobile will be viewed on mobile.Thus, differences will be really negligible and hard to distinguish in moderate to good lighting condition. In addition diff manufacturer have diff process algorithm so some would prefer Vivo, some Samsung, some Apple. Not so much about physical lens or camera capability.

I think what really differentiates top grade camera from usually flagship would be sub-par lighting and these photos are rarely snapped and uploaded.

So for me lah, since most flagship are similarly priced, i would put higher preferences to quality, speed and longevity of support especially security updates. Thats where banking transactions are done, payment, QR, trading and tracking money/invt, etc etc are done consistently and frequently.