Your willpower is better than mine for sure lol. I think I've upgraded every iteration since the 10. I'm with you on the color aspect, but like I said, my willpower isn't the best so I'd probably end up replacing my black 14 PM with silver or something. I had a silver 12 and I loved that colorway, don't know why I ever went away from it, but the black on the 14 PM is very sexy.
The only other Apple products I have are the Airpods Pro 2 and my AW. The AP obviously still do use lightning, but I don't have any other product besides my phone that uses lightning. I understand the fuss about needing USB-C, but for me it wouldn't be a necessity.