I really wish this was a viable option, but the lack of active cooling (and mediocre passive cooling) for phones really makes the phone-as-desktop a non-starter for anything but light web browsing or text editing.
The most successful tablet-laptop attempt thus far has active cooling simply so they don't have to throttle back performance.
It's possible that more energy efficient processors will come about and prove me wrong, but they've been working on the heat dissipation problem for decades now (yes, even in desktops/servers).
This is with a mid-range phone from a couple years ago. I think you're being overly pessimistic.
https://www.extremetech.com/mobile/215724-microsoft-announce...
And desktops are emerging without fans too -