The camera is important to me, but honestly, the SD card support is more important. I have only had a device once that had no card support and I swore I would never do another device like that again.
Honestly, I tried out the S20+ recently as I got it from Samsung for only 300 dollars. Besides some camera flaws, it's a pretty good device for only 300 bucks. Might be a better bargain than the S20 Ultra. If it didn't have camera flaws, it would probably be a near perfect device IMO.