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My wife and I have never owned a flagship smartphone — not new, anyway. We’ve always had budget handsets, costing just a few pounds a months. The closest I’ve come is a Galaxy S8, just as the S20 was hitting the shelves. A fine phone, regardless.

But when my beloved started looking for a new phone recently — while still serviceable at six years old, it lacks authentication features required by many banking apps — it was time to weigh up the pros and cons of another budget device, a capable midrange phone or a refurbished flagship.

A new budget phone seemed not to offer much benefit over what she already had. On the midrange front, devices like the Honor 70 seem to be gatecrashing on flagship territory in terms of specs. But then, for that price, you could pick up last year’s top of the range phone.

And so that’s how she became the possessor of the latter. After weeks of dithering, to and fro — she hates wasting money, as she sees it — we narrowed the list down to a few mid-range devices. Key requirements: dual-sim and NFC.

Enter that refurbished Galaxy Z Flip 4, possibly accidentally assigned the wrong price by Giffgaff, since it was closer to the asking price of a refurbished Flip 3. More to the point: close to the price of the brand new midrange which nearly took first place.

In the end, emotion would win the day: that little folding phone is just so cute! A good choice, I’d say. That phone is flipping brilliant.