Same situation. The design of the N20U is futuristic - it pushes the envelope and the Fold even more so. Apple have become lazy, recycling designs because they can.
What makes it an easy decision for me is here in the UK we get the crappy Exynos and until that’s address or the Exynos is equal to the SD then it’s a pass, reluctantly.
Yes I could import, but I’d lose warranty, Samsung Pay and more importantly VoLTE.
I’m still tempted with the Fold because it addresses those points however, I’m not sure about the Fold as a daily driver but at a good price, I wouldn’t mind trying it.