In perfect conditions for Wi-Fi. I live in a high rise and the 2.4 Ghz band is hardly usable. My previous phone didn’t have dual band Wi-Fi and it was much faster on 4G than WiFi.
Plus, modern routers and APs often rely on band aggregation and so even with devices that have dual band, crowded airwaves will have a negative effect on speed.
Wi-Fi is very fast when I’m in my cabin in the countryside. But when I get home with the same devices, it’s barely usable.
You could argue that I need a better router with the newest protocol and gizmos but so far, even with new bands and protocols, Wi-Fi is still a competition of which router and devices will shout louder than their neighbors.