A single wg interface/config on your phone, with two peers, one for home wg and one for remote vpn, with AllowedIPs on the home peer as 10.10.0.0/24 and AllowedIPs on the remote vpn peer as 0.0.0.0/24?
Have you tried excluding the cidr of your home wg from the AllowedIPs of the remote vpn? Like not having 0.0.0.0/24, but one or more entries that end up excluding local cidrs.
I have two wg interfaces and I manually switch between them.
The first peer is easy, with allowed IPs of 10.10.0.0/8. The 2nd peer will need more configs, as it should route everything else.
See this answer for an example where all ranges that are not RFC1918 are listed: https://serverfault.com/a/304791 I expect, that you need to enter those ranges as AllowedIPs for the peer that should route to the public internet.
You then route your home traffic through the home wg connection and all other traffic will exit the external server directly.