I would like to know what smartphone model you recommend.
You can go for any android phone with an amoled display, stereo speakers and latest 4nm processor. If you are a camera freak then switch to ios. Pixels and galaxies still need to fix their camera shutter lag shit. Iphones are way ahead in terms of camera because of no shutter lag which gives you instant sharp images.
Every nano seconds count when clicking pictures. If there is a delay between clicking a photo and the camera actually capturing the photo because of the shutter lag then your pictures will come out blurry if there is a slight motion of the subject. Iphones have non existent shutter lag. If you press click 5 times simultaneously then you will actually capture 5 sharp photos. On android phones including pixel and samsung you can only capture 2-3 photos max cuz of the shutter lag when you press click 5 times simultaneously and u will get blurry photos if the subject is in motion.
if you have the budget to buy a flagship phone, i recommend you to buy 2 phones. a middle ground phone and a cheap phone. one for a daily drive and the other for things like banks and other sensitive stuffs. i only buy a new one when my phone breaks, you dont really need the features a flagship phone has.