Nationwide 450 Plan - Planning on a new Samsung in a few weeks. What to do?

My wife and I still have Verizon Wireless Nationwide 450 plan. For a number of years this made sense as it was an unthrottled gUDP. I live IN New Jersey close to HQ and the 5g coverage is good. Currently on the Samsung Galaxy Note 20 Ultra so I've gotten basic 5g but will likely upgrade in the coming weeks to the new S25. I've tested my phone and been able to use hotspot on this plan in a pinch.

My wife is on wifi 90% of the time, and I'm a mix maybe 50/50 cellular to wifi etc. I may up to the 5GU Plus plan as I don't see much benefit in the Ultimate. I usually buy my phones outright at discount anyways from the manufacturer/Amazon/Best Buy instead of locked to Verizon Wireless.

Any downsides?