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A few years ago I was on team keep the jack but at this point it’s not as necessary. USB C headphones exist, wireless headphones have gotten quite good, and if you use one pair of 3.5mm headphones if you keep a dongle on it it’s really not that inconvenient.
If you buy a foldable and are spending $1000-$2000 it makes no sense to not spend the extra money on service plans. Even with all the improvements Samsung foldables still fail at a higher rate than normal phones.
These are niche phones.