Smartphone cameras still have a long ways to go.
Don't cheap out on cameras now. Remember that in 10-15 years you will be looking at these photos on wall sized 12k screens. Anything less then top notch is going to look like crap.
In 15 years I'll probably be dead, and besides a wall-sized TV doesn't appeal. Also, why would I be viewing photos I took 15 years ago on my TV? I would note them as being the correct quality for the tech of their time. I still have black & white prints from the 60s and 70s...