I'll be staying with 4G too
For reasons of economics, not tinfoilhat syndrome. I have yet to see a compelling case for it. So far, all I've seen repeatedly plugged is "faster downloads", with the downside of "poor/challenging coverage" not getting quite so much coverage in the glossy ads - can't for the life of me figure out why.
Since I am not a gamer, and don't watch movies on my phone, I see no reason to spend money on a new device for no perceptible gain to my personal usage. It's a cost-benefit analysis, and currently, for me, 5G seems all cost, no benefit. When the numbers change, my pov might too. Of course, by that time the early adopters will have transcended and/or been assimilated.