It's not bad, just more expensive and more powerful, so it would be overkill for certain projects. If you want a cheaper or smaller (but less powerful) option, you'd have to get it from somewhere else.

If you want to use it for emulating games for example, you'd probably want the best performance you can get. If you're just making a digital picture frame though, you don't need to spend the extra money for a Pi 4 and can get away with the cheaper models.

I'd recommend looking up what you want to do and seeing what model Pi other people have used. I use a Pi 3 to control my 3D printer, which isn't too demanding of a task for it.