We are basically saying the same thing. I don't think the price difference is worth it yet. There is not a large enough variance in display for all uses IMO to account for the cost difference. I think OLED will be short lived for QLED's and then we will be approaching 8K's.
https://www.cnet.com/news/how-qled-tv-could-help-samsung-finally-beat-lgs-oleds/
I did a ton of research when I purchased my 4K last spring, I didn't feel OLED's were there quite yet and was concerned about brightness, motion blur and input lag. The one's I compared, the OLED's were losing out in several categories and more $$$. The picture quality in terms of the numbers is better. It's hard to tell visually cause the retailers typically run native 4k HDR content. Keep in mind this is very little of what you will be using it for initially if at all. The display's upscale tech is very important. Also, at the time my only option was LG for OLED. You might get Samsung and LG with two different techs.
I personally wouldn't buy a top of the line LCD right now either, go mid range if you're looking.
Calibration also makes a huge difference with whatever you purchase. I'm just saying if someone wants a new display now they don't have to go OLED.