I felt exactly the same as you, never was too keen on getting the latest & greatest phone camera....until I tried the night mode of the 11 Pro.To me, most cameras on phones are perfectly ok. I know some people want the best camera possible (not sure why). It’s not like I’m posting pictures from my phone in an art gallery. All these “better” cameras do is raise the price.
The rest I agree with you on.
Just recently, at night, I went to an old gothic cathedral in my home town, and took some indoor pictures, which turned out to be breathtaking. I still wonder how Apple did that. It really is a game changer, imho.