Buying secondhand for use with T-Mobile

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I am looking to purchase a secondhand note 20 ultra and I would like to know which version should I look for and what the differences in usability and features will it have if it is let’s say a AT&T version as opposed to a TMobile version or a factory unlocked from the manufacturer. Will I be losing out on anything if it is an at&t or Verizon version?

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