I will try to give you an honest opinion here! Firstly, it depends on your budget and your lifestyle. Aside from the latest features that the newer model have, while the absence of it will linger on your mind with a question on why did you buy the old one in the first place instead of a newer model if and when I have or have not the financial capacity to do so.
In the meantime, you can wait for other Samsung members' opinion and listen to what they can say about the Samsung Galaxy S21. And I'm hoping, with all the information you have, plus the opinions you've collected in here will give you more insights to decide and arrive to a conclusion to buy or not and have your very own Samsung Galaxy phone.