Should I buy or not

If 40k is your budget, you should also check out the nothing phone 2, it's better than OnePlus 11r at least

Don't. If your current one works, just dont!

You can buy it twice, so sure go ahead. I would pick S22 but do a thorough compare depending on which spec u value most

Spending 50% of your take home is a lot. Think twice, scratch that, 1000 times, before taking that decision.

Try getting s22+ instead of s22
S22 has too many issues

Pixel mate, you won't regret

If you want, you can go for an EMI and split up the payments over a 3/6 month no cost period. Pixel series is great depending on how long you want to use it. i bought the Pixel 6 last year and I have had literally zero lag, might use it for 2 more years. Samsung flagship phones are amazing as well, I had a note 9 that lasted 4 years. Go for whatever is cheaper from the two.