Not worth it imo, even Apple believes the difference isn’t worth more than 100$.
Other than the Dynamic Island you won’t find any difference in usability. The 12MP vs 48MP cameras matter only if you need it for work or other money making purposes because iPhones have been considered top notch cameras even before they even had 48MP in their lineup
You might feel that it’s not a big deal but considering that you don’t have the option to use fingerprint, you’ll have to use your passcode every time and it’s not a generally good practice to keep putting in your password in public. Further FaceID enables a you to do the things way faster like Apple Pay and also a lot of apps allow you to use FaceID as a way to lock the apps. You’ll miss out on a lot of the features.