I phone 12 or upper

For day to day use, the extreme majority of users won't notice any real difference between the 11, 12, 13 or 14 with the exception of the cameras on the Pro models. Even then the difference isn't significant except the 14 Pro. If you're looking at the non-Pro models, the 13 and 14 are practically the same device including the CPU. Since Apple provides software updates for 5 to 7 years from when a phone is originally released, it would come down to how long you plan to have the device.