5G or not 5G with the iPhone 11

I buy my phones and use Pay As You Go because my usage is insufficient to warrant a contract. I was contemplating upgrading from my iPhone 6 to an iPhone 11 for Christmas (sorry about using that word) however I notice it hasn't got 5G (or a fast charger). As I swap phones only every 4 or 5 years should I hold back and wait for the iPhone 12 which probably will?