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TV recommendation? (Full HD vs UHD)

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So while away on holiday, my house got broken into and a bunch of things stolen - including my Panasonic 46" Plasma TV and 300W LG sound bar (curiously they left the wireless sub woofer)

The insurance company has matched it with a 49" Panasonic Full HD LED but say that it's okay to pay extra to upgrade. I just don't even know if it's worth it to get a 49" UHD TV for $200 - $400 more. I do sit pretty close when I game so may notice the difference then, but still only have a regular PS4 that won't output 4k (some way down the track I will not doubt get a PS4 pro) Money is a little tight after christmas and a holiday, so I'd really only want to spend more if it's a situation I'd really be kicking myself over that I didn't take the opportunity to.

The only option is I could 'downgrade' the soundbar that is priced at $549 to something simpler (typically 80-100W) and put the difference towards a better TV.

What would you guys suggest?

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