My phone does not have 5G and I don't think my neighborhood has any 5G network. However, it gets 28 Mb on 4G, which is actually faster than my "home" internet.
I also have a 5G phone, but I don't think the 5G network give much more than 4G at least at the moment. But maybe it do give more with downloads etc. My observation has only been with Ookla speedtest. Denmark and Sweden should be reasonably covered with 5G. But the real fast speeds probably come sooner or later.
Still using 4G because my mobile support only 4G and and the other reason is that if I bought a 5G supported mobile so still there are no 5G services in our country.