The time to decide which to get and to figure out and setup the new phone is a bigger reason I haven't done it yet than the cost. If I want it, I can buy it without hurting myself.
Discussion
The previous Pixel versions are affordable. We have clients using the 3 and 3a with no productivity or social score loss.
Consider the shift in usage. You want to be more private. You DO NOT need the most advanced magic rectangle that does video and photos.
You learn so many other useful things when you decide the magic rectangle is not the most important thing in your life.