The short answer is "depends on where you go".
5G cellular has a variety of benefits but most of them apply to metro areas where there are many, many devices and buildings in the way. There are some benefits to rural users in the design, but they mostly haven't been implemented yet. And many rural areas don't even have 5G service yet, or only implement a few of the 5g features. For example, there is little value in supporting 10,000 devices per cell when the entire cell region has maybe 500-1000 users at any given moment. 5G does enable usage of some lower frequencies that would improve signal range, but those radio frequencies aren't available everywhere.
If you are getting a new phone anyway, I would certainly want 5G capability for the future, but I might not change phones solely to get 5G. Or pay a carrier extra to use 5G. I live in a metro area and all the carriers offer 5G (some at no extra charge), so it was a no-brainer for me.