The Galaxy Note20 is the cheaper way into Samsung's final Note generation, and how much you like it depends entirely on which compromises you notice. The S Pen is here and it works well, with latency cut to 26ms, and the 6.7-inch screen is large enough for note-taking and split-screen work. But Samsung made choices on this model it did not make on the Ultra: the display is a flat 1080p panel locked at 60Hz rather than the Ultra's 120Hz QHD+, the back is polycarbonate instead of glass, and there is no microSD slot. The camera pairing of a 12MP main sensor with a 64MP 3x telephoto is capable in daylight and reaches 30x hybrid zoom, though it sits clearly below the Ultra's periscope system. Software support has ended, with the last update landing on Android 13 and One UI 5.1, so no further security patches will arrive. The plastic back is less of a problem in daily use than reviewers suggested at launch, but the 60Hz screen is the one thing you cannot unsee once you have used a faster panel.