USB is honestly only relevant today if you have old music files on a USB stick and want to play them - otherwise you're paying for it without getting any real benefit. With Bluetooth you get everything from your phone (navigation, music, calls) and it's just more convenient, especially if you want to connect multiple devices.
A practical trick that a lot of people miss: when you're buying, check whether the radio supports Android Auto or Apple CarPlay - that's often more important than whether it has USB. Then you don't even need to use the radio's own software, you just control your phone through the touchscreen, you get updates and the apps stay current. With a plain USB radio you're out of luck pretty quick if the manufacturer stops supporting it.