Well, that’s up to you whether you want to use 5G or not. As for buying a 4G phone now, only flagship grade smartphones will last 5 years. But, nowadays, all flagship smartphones are 5G-ready. Hence, I would strongly recommend that you buy a 5G-ready smartphone now so that you don’t lag behind in technology in the next few years. Buy a 4G smartphone only if you are going to discontinue it after 1-1.5 years. Hope you found your answer.