I don't think gpt-4 is worth its 10fold price premium for all but niche usecases (coding may be one but I don't do that too much). And the much longer response delays are annoying.
I think 3.5 turbo is a really nice general use model. And the price difference makes it worry free (I use it a lot and most months I used less than $1) whereas gpt-4 really tends to trigger disturbing invoices after using it a bit :)
I still have 4 on tap for a second opinion if I'm dissatisfied with gpt-3.5 but in general it doesn't really yield much better results, whereas better prompt engineering helps much more with both models.
Of course YMMV but I wouldn't write gpt-3.5 off just because it's no longer the coolest kid on the block.
OpenAI and Microsoft aren't a lot better but it is somewhat better at least.
So Gemini isn't an option for me. Curiously enough, LLaMa 2 is, even though it's from meta, but the fact that you can run it at home is of course a real winner for privacy.