Hi Ivan, thanks for your reply.  I'm living in Blighty (the UK!) so across the pond from you.  I know that Samsung do trade-ins but have heard some horror stories - BUT I know these things should be taken with a pinch of salt!  I guess part of me doesn't want to sell my old devices as they are as good as new and ..... just in case - YES, I know, STUPID aren't I.  I think if I buy the Note 10+ and get on with it, THEN I will sell the phones.  I too have the XS Max and you're so right, that AND the 11 Pro Max are sooooooo boring and I hate manufacturers telling me what I can do with MY device and how I can individualise it the way I want to not the way they want me too.  I guess the only good thing about Apple is that, allegedly anyway, they are a little more secure than Android insofar as Android is open source so any unscrupulous person would write malicious code into apps and such.  Think I'm 99% there as far as being convinced to go ahead with my new purchase thanks to you all.