I ended up getting the S23 Ultra, (had to come out of pocket a bit), and if you get Samsung’s Care+ insurance it’s $8 a month, so basically $100 a year if something goes catastrophically wrong. I will probably carry that insurance for the first two years or so of owning the phone. Given I rely upon my phone for a ton of business, my home phone, social communication etc, it seems fairly reasonable as they claim to have 24 hour replacement.