If by pays you mean causes you to pay, then go for it, otherwise android is recommended.
Between the S22 and the iPhone 13 I’m not sure the price difference is that big, especially if you get the right carrier subsidies.
Not sure why the OP is comparing the base s22 (not + or Ultra) with the iPhone 13
pro.
ETA to be fair the iPhone 14 should be out in 5 months and it’s likely to be more expensive than the iPhone 13.