I upgraded from a 4S to an SE in April of '16. The 4S was still working fine, but I wanted the fingerprint reader so it would be easier to unlock the phone. Various financial apps are now also using the fingerprint reader, simplifying those logins, too. The SE is a little longer than the 4S and isn't as comfortable in the front pocket of a pair of jeans, but it does fit. I tried to use the belt carrier that came with my Otterbox Defender case for a while, but it was always catching on things and I couldn't lay on that side if I had to crawl under something. I could be wrong, but my understanding is that the SE will work on any network just by replacing the SIM card. The photos and videos that come out of the camera are really good, but I still reach for a dedicated digital camera if I want really great pics. Like you, I don't carry it around inside the house, but I do use it quite a bit to take and read notes like todo lists and such, and as a remote for lights, fans, and HVAC controlled by Apple's Homekit. I use the level app to check the ground before I pitch a tent, read eBooks on it while I'm standing in line, and find my way around town with the built in GPS and Google's Maps app. I've installed an app that displays the constellations to help me get more familiar with the stars, and another that will tell me the origination, destination, and flight number of the airplane overhead. I never used to instant message much, but the voice recognition on the SE is good enough that I seldom type anymore, and IM often works where a cell phone won't. Another app helped me align the satellite dish for the internet service, there's one for finding free camping spots and getting help during a break down, and another one for finding free WiFi hotspots. I've used it as my only internet interface during long trips and been able to do just about everything I needed, even ordered my last laptop and iPad with it last Black Friday. I even tether my laptop to the internet using it when there's no WiFi available, and make phone calls using my laptop through it as well. I don't see any "must have" features in Apple's future plans that would motivate me to upgrade, but then Apple hasn't exactly been generous with sharing those plans with us mere mortals.
The only problem I've had with it was overheating when I mounted it to my windshield and the sun tried to cook it. It just shut itself down and revived just fine when it cooled off. I wish all of my electronics were as reliable and easy to use as this iPhone.
:2cents: