You are not alone. The struggle is real. That $600 trade in is sick. I've been to Best Buy 3 times playing with the note 10+ and had came close to clicking that preorder button so many times in the last few days. I can't take this no more
The camera and Android Q rollout that's around the corner are holding my hand back.
By the way, it's $150 Samsung accessories credit not $200. Unless you signed up for that reserve thing before the phone reveal.
I would say if you want a phone that has future-proof performance, big battery, modern design, S-pen and good multitasking and an extremely capable and versatile camera, as well as a big screen, choose the Note 10 or Note 10+.
If you want a phone that will always have the latest Android software for 2-3 years, has superb image processing (especially in low light) and great selfies, 3D facial recognition and motion gestures then choose the Pixel 4 (XL).
Note 10(+) cons compared to the Pixel 4(XL): Low light photography is great but not quite as good, software updates are often a month or so behind, no ultra-wide selfie, lack of Pixel exclusives like Original Resolution Google Photos storage and call screen etc
Pixel 4(XL) cons compared to the Note 10(+): Less powerful (less RAM and default storage), no S Pen and inferior multitasking, smaller battery, ageing asymmetrical design (bezels), lack of extra Samsung features like Secure Folder, if rear camera is dual-lens then camera setup is less versatile.
Note: these are based on the leaked specs for the Pixel 4..take my advice with a pinch of salt because the leaks might not be totally accurate.