There are “vanilla” versions (which is what I use) that are basically de-googled AOSP which work well with apps from F-droid, Izzy-on-droid, and free apps from Aurora stores, which you can also install MicroG on if you wanted to - and there are “Gapps” versions which have Google Play Services, the Google Play Store and some of the basic Google apps pre-loaded.

Whoops, yes you are correct, you would need to go to Asus for front facing speakers. Maybe the Asus Rog 2, which can run degoogled Bliss ROM

Yeah, which is why I use de-googled “vanilla” Bliss ROM 17.2 (Android 14 with latest security patch) on my Xiaomi Redmi Note 10 Pro instead of going the Graphene or Calyx + Pixel route. This way I have the hardware features I wanted (headphone jack, micro SD card slot, 5000mAh battery, 108mp camera, stereo speakers, 120mHz refresh rate) all for cheaper than a Pixel, and the Bliss ROM community is pretty friendly and dedicated in my interactions with it.

In USA I’ve found it’s pretty easy to live without banking on your phone, although you can’t say the same for some other countries. Granted I have a job where I am working with my own desktop computers most of the day, so I can pay bills and transfer funds on them during those times - and lots of people might not have the same luxury. But I’ve yet to feel a need for any of them while out and about beyond a few occasions of Venmo’ing funds on the go - and at least Venmo still allows you to use their site via browser.

Sony Xperia 10 iii has all those things, and you can run Sailfish OS on it, including VoLTE and Android app support with it.