+ better display (higher refresh rate), + better battery (it lasts me 3 days on average), + better CPU/more RAM, + one more camera
I wouldn't agree that it is a terrible value (but I might be biased, because I have it). I think the 4a has a great value, but you wouldn't get the extras you get cheaper anywhere else.
And I don't mind the missing headphone jack. Also, I just have my one and only USB port covered, so I am on full wireless mode with it.
Personally speaking, why would I want >60Hz for messengers, otps and some other static apps?
For me it is much more important that I would have to carry multiple adapters around (because I am so good at loosing them) to connect my phone to my car, my hifi, my headphones, etc which sucks.