it really depends. do you need HDR 10+. only samsung really supports that. many apps dont support that too. Do you need the extra speed? Processor is way faster but will you notice it? Do you game? Do you need more memory? I would answer those before you buy.

I did the upgrade when costco had the 128 for $99. But had no intention to upgrade previously. I would wait for a good price if you want to bite.