Differences between factory unlocked and US carrier S20 FE 5Gs?

Samsung Galaxy S20 & S20+ & S20 Ultra
Is the hardware identical? I’ve always bought factory unlocked phones and one reason I started was negatives with carrier versions but don’t know if that’s still a thing or applies to this model.

I don’t want a carrier version if it means updates may be delayed or denied by the carrier or if it has fewer bands, or less memory, etc..

And if the hardware is identical, can I flash the factory version after leaving the carrier or when selling it later (carrier unlocked, of course)?

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