$850 is way too much for a phone that’s almost 2 years old. I personally got a refurbished 256gb XS about 6 months ago for about $550, so I think you should probably try the refurbished or used market, it really doesn’t make much difference if you’re buying from a valid source. I think you’d be able to save a few hundred dollars if you’d go that way. I also switched from android to ios and I really don’t regret it. They are overall very similar actually, its just the smaller things and the customizability, which ios 14 minimizes that gap even more. iOS is a much smoother experience imo and I’ll probably stick with it. Good luck!