I definitely would NOT pay 1300 dollars for the N20U though. If your device is free and clear, and you get a good trade in like I was able to, bringing the price down to 620, it would be a great choice.
I ordered the Note 20 Ultra recently from Samsung just as a trial and error sort of thing. Returned it recently. I already have the Note 10+. I do gotta say though, the Note 20 Ultra does seem like a really good device. I don’t think it’s necessarily worth it though for someone like me who has the N10+ already and is still paying on it… But I think if you weren’t in that situation, the N20U would be a good choice. I’m not a fan of the camera bump at all though, or the fact that internal storage is dropped back down to 128gb. I don’t get what the big deal is with the 120 hz refresh rate is though. I had it on the device and it really wasn’t even noticeable honestly for me.