I recently bought a Xiaomi 14T Pro for just under 20k, it came with 10k of accessories and a 4k robot vacuum cleaner! Lol.
I am very impressed with the speed, hypercharge system (20 mins from 10% to 80%), battery life and the Leica camera system, as I recently took up amateur photography.
The reviews on this phone are extremely positive, most stating it has the features of premium phones, some costing twice as much!
I tend to use this phone much more than my old 5-year-old mid-price range phone as it's so much quicker and works flawlessly with Android Auto on my car, unlike my old phone that sometimes suffered with connection issues.
I can understand some people objecting to paying over 10k for a phone, it comes down to whether you want the speed and features which some people don't (or are incapable of using). Each to their own.