I finally decided to do the Black 256GB unlocked -- though it is the second time I ordered it. I had issues deciding if I really wanted it and, after trade in with my S20, Samsung was saying $599, more than I wanted to pay for a Flip after trade in; and cancelled the order because it was slightly more than I felt willing to pay. I might have bought the Cream 128GB but, by the time I ordered, the delivery date was showing a month away; and the fact that it doesn't have the SD card slot was also a factor in going for the 256GB -- that and the fact that the upgrade was paid from the $150 preorder credit. With the remained of the credit I bought a couple of cases (leather and silicone) and the charger.
I finally ordered late Wednesday/early Thursday using Rakuten to get the cash back (with a $30 signup bonus), and for some reason my trade showed it was worth $100 more, so price was $499 + tax. So, my phone is supposed to be here by the 27th (hoping for sooner) and I keep checking FedEx/Shop Samsung to see if it has shipped.