My personal phone is an iPhone X. Given that I use my cellular-enabled stainless Apple Watch Series 5 for everything and we don't have 5G here, I see no reason to upgrade.
My work-provided emergency/on-call phone is an iPhone 12 Mini. I chose it as an upgrade to my previous iPhone 7+ when the battery failed, as a break from a string of large-screen "plus" models for the "Superleggera" phase of my life. Given the extremely low hours that I put on my work phones these days, I have no reason to upgrade to an iPhone 13 model.
The new larger-screen Apple Watch on the other hand...I need to see what if there are any technology or medical sensor improvements that would make it worth an upgrade to my perfectly-functional stainless Series 5.....
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2015 BMW i3 BEV, Giga World (Lodge interior), Tech/Driving Assist Packages, 30K miles
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