I upgraded to the S7 Edge from the Note 4, I'm on Sprint also. I'm glade I did. The S7 Edge is a lot better phone imo. I was going to get the Note 7,, but we all know what happened with that. So far I'm loving my S7 Edge. I guess compare the cost of upgrading to the insurance replacement, I would make my decision based on that. By the time you get your Note 4 paid off they might have something better out. If you can afford it get the S7 Edge.