I can't get Gemini to work when I'm on the lock screen. I have to unlock it before it will proceed with its task. This doesn't happen on any of my Samsung phones.
This is true. But there are always improvements that make it worth "upgrading" Maybe 65w charging or an improved anti glare display is enough for many to upgrade.
Also don't expect anything "major" with this every year a new device cycle. Its only for that have to get the latest version. So if you're happy with the 9, no there is no real need to get the 10.
I read that is supposedly costs mvno's a few dollars per Esim transfer which is why they put limits. Must be true since Psim transfers have no such limitations.