Six months with a used X-T5 now, came from the X-T4. Short version for anyone who searches this later.
The 40MP files are nice for cropping and I haven't seen the noise problems people warned me about at ISO 3200, at least not in A3 prints. The tilting screen suits how I shoot better than the X-T4's flip-out one. It's lighter, which matters more than anything else on this list. Battery about the same. AF about the same, which is to say fine for what I photograph and not what you'd buy for sport.
Paid a bit over half the new price and would pay it again. If you have an X-T4 and it works, you don't need this. I didn't need it either.