I've been on JOD since the ill-fated Note 7. It was great for a long time, but then they started tacking on some huge down payments. All the while, Samsung started upping their game on trade-in value. I had the S21 Ultra on JOD, and when I went into the store to ask about a JOD upgrade to the S22 Ultra they told me it'd be $532 to go to the 512 GB version. Especially given that I didn't upgrade to the Fold 3 this summer, that didn't seem worth it, so I just paid off my JOD balance and went through Samsung.com.
With trade in credits, I'm getting an S22 Ultra for about $450 + trading in my old device! And that's not even including the $250 in accessory credits.