I wouldn't want to owe a telecom company so much with multiple devices. IMHO you should enjoy what you have now until you've paid them off. Then just sell what you OWN to upgrade and enjoy a payment-free life. Just my 2 cents.
I just upgraded to the S23 Ultra. The most notable difference is the portrait video is so much better on the S23 Ultra, better focus and better edge detection + you're not limited to 1080P and you can even do portrait videos on the front facing cam which the Pixel 7/Pro can't. Not sure how important that feature to you is but I like it a lot. In terms of photos, they all have weaknesses and strengths. The Pixel 7/Pro has a more true-to-life tone whilst the Samsungs as usual have a punchier color without editing. The Pixel 7's camera is no slouch by any means
Another thing worth mentioning is when you take a photo, then hit edit, it takes about 5-10 seconds on the Pixel before you can actually click on the suggestions such as Enhance as its gathering info about the shot. With the S23 Ultra, it's instantaneous thanks to the Snapdragon 8 Gen 2 Processor. It's a shame that Google's own Tensor CPU is so weak even on their own apps.