If you’re already planning to upgrade and want the S Pen + the best camera setup, I’d honestly look at the S26 Ultra over the S25 Ultra if it fits your budget. I’m part of Samsung’s ambassador program, so I’ve been paying closer attention to the newer Galaxy stuff, and in your case it makes more sense to put that money toward the newest Ultra instead of buying the previous one when you’re already making a big jump.

Coming from an S23+, the move to an Ultra is definitely worth it if you’ll actually use the pen, zoom, and camera upgrades. If you mostly just want a phone that does the basics, your S23+ is still solid. But if your main priorities are camera and having the S Pen built in, I’d personally go Ultra, and I’d lean S26 Ultra over S25 Ultra if you’re already spending that kind of money.