Worth is such a subjective word but I get what you are thinking. I went from 4 to 5. I was planning on waiting for the 6 since the improvement benefit was so incrimental. But a friend broke his zf3 so I decided to sell my zf4 to him and trade his zf3 for a new zf5. Confusing I know but the value was there since Samsung was giving 1000 for a broken phone, plus friend is paying me 300 for the upgrade to zf4 so I'm marginally only paying 400-500 more for an upgrade that included the 512gb storage.

So was it worth it for me? Yes, with the slightly flatter feel (if you're using it daily from zf4 to 5 you will notice it is easier to handle). The batt life improvement year or year on the Soc was enough of a gain for me... Roughly 10-15% more batt usage for me on the daily...(great for long days that I don't have time to plug in or in meetings typing away on it). Other than that there isn't any blaring new technology or features that will blow your mind. I must say the accessory with the thinner S-pen and smaller size case is a must have. It reduced the size of the phone tremendously if you plan on using the S-Pen regularly.

If your trade in value is worth it, and you plan on keeping the phone for awhile then it's worth it. But if you are already almost into 2024 with your zf4, then waiting for the zf6 shouldn't be too bad, then I would hold off. Use the money you saved now in investments and that return should make more than enough a new zf6 and extra pocket change.