You aren't missing much. Hole punch camera for more screen and under the glass fingerprint scanner on the 20 and above you get the 120hz display and more cameras. Nothing game changing but nice comforts. I still was more satisfied with the 10+ than I am with the 20 Ultra. I haven't put my sim card back in that 20 Ultra since the iPhone 12 came out but I still use the 20 Ultra every day as a small tablet in bed and a remote for my smart home devices.Still rocking the Galaxy Note 9. No sense upgrading now, although it did stop vibrating when I get text messages. Not sure how to fix that though. Had to download an app where my light goes off when I get a text.