These companies and their enshittification have kinda killed the broader concept of phones in my mind.
What is my phone? It's my worst computer, proprietary and closed, and which I have been actively avoiding using all year long in order to improve my mental health. It's a tool that makes it easier to exist in modern society, not something that enhances my quality of life.
So I'm not thinking about whether I need iMessage vs Android openness like I might have a decade ago. I'm sitting here wondering if I even need a phone number in the first place! But, even with some wonderful Linux phone device that's like a 6" laptop with a touch screen and LTE/5G, I guess you'd still just have a number associated with your service.
Funny enough, if somebody offers you insurance that builds cash value, even though the sound of it does make sense you should probably run.