Thank you, friends, for all your sage and well-thought out advice.
I went with the iPhone 7. It’s very nice and intimidating with all its helpful little features, but so far the only apps I’ve downloaded is the free one from Miami-Dade Transit so I can see when the train is running late and American Airlines. I switched Siri’s voice to the male one which gives me the illusion that a guy would take an interest in me. The texting auto-correct and fill-in is helpful.
Oh, and it does take great pictures.