I did before, years ago. Now I use the transfer method and it's good and quick. Each year, i'm giving my current iphone to my wife and we sell her current one. I do a backup on her phone, then on my phone. Then I wipe my current and we restore her backup to it. After it's confirm to work, we wipe the one we will sell. This year, it was special because we both had a 14 Pro Max, but mine was 2 months old and her was 1 year old (launch day last year). I did the switch anyway and sold hers for 1300$ CAD about 3 days prior to the apple Event. So my new 15 Pro Max cost me about 705$ out of pocket. I know I paid last year's phone too, but I count it as "already paid off".