In august of 2024 my beloved galaxy S8+ drowned in my frame bag on my gravel bike during storm rainfall in the alps despite being "waterproof" . I settled for a cheap used A40 as we were at 1800 Sats per Dollar. Now I pulled the trigger on a new S24 FE and pay approx 20 000 Sat monthly.

Bitcoin changes you. I expect the monthly payment to decrease over the next 18 months so a 0% loan is a no brainer.