Good point about the SD card. I don't even keep music on my phone - it's probably just holdover storage paranoia from the dark ages.
Anyway, I'm really digging the S12+. The on-screen interface is basically the same as the S10 and having both buttons on one side takes a little getting used to but is ultimately more convenient. I'm also still tweaking all of the customizable settings. 5G is definitley living up to the hype - I don't think I've experienced any lag yet and loading times are pretty much instantaneous except for, oddly, my Yahoo Fantasy app - that tends to time out pretty frequently, for some reason. Battery life seems very similar - maybe slightly better - to the S10 and the camera is great so far, as per usual. The aspect ratio selection setting has a lot of potential, as well.
So far, so good - I'm not overwhelmed with joy but no regrets yet. It basically feels like what it is - not a game-changer but a slightly spiffier version of an industry standard.
Oh, and you can totally bypass Bixby, which is a net positive in my book.