For voice calls, I use a SIP account from voip.ms, which mostly goes to voicemail (SIP kind of drains cellphone battery). I rarely use voice, and people usually text because calling, and most use Signal/Whatsapp anyway. The voip.ms account is also useful for doing SMS, and associating apps with it (such as Signal/WhatsApp).
I have programmable SIM deployed in my iOS test phones and use it to place calls and texts from the phones (no contract is nice). I also pay about 12.5$/GB because I have the higher commit turned off
Very little of Twilio is for "personal use" but you can still deploy it as such and there is another class of Twilio SIM product (programmable SIM) that you can do anything (voice, sms, etc.) you want with.
I have built my own little personal telco out of twilio and couldn't be happier ...
Well, except for an <email> verb in twiml - that would make me much happier ...
Each of the big 3 carriers (Rogers, Bell, Telus) also has a "budget" subsidiary brand (Fido, Virgin, Koodo), where the same plan is $50 or $60. However, customer service is absolutely terrible and they ding you for absolutely everything. For example, if you ever need to call customer service, there's a $35 service charge.
This is for Ontario; other provinces have local carriers (Sasktel, Videotron, etc.), but I'm sure pricing is pretty much the same.
Oh, and roaming in the US costs an extra $10 per day to use your regular plan, even if you only send a single SMS. Best not to use it at all or get a local SIM if you're going to be there for a while.