For me only interesting feature is Apple Intelligence, but it is currently too much constrained for paying price of the new model. I will probably keep my strategy of buying top models (Pro, 256 GB) second hand - after year or two they sell it for a significantly lower price.
I usually buy the latest model every few years, but this year I’m undecided—50:50 on whether it's worth it or if I should wait another year. Apple's AI is a highlight of the new features, but as you mentioned, it's not available on the phones yet, and who knows when it will be in the EU. 😞