Lineage and Graphene os (on pixel devices only)allows for degoogle versions of android. Even if you find hardware and an os that meets your requirements, how will you download gym and bank apps with out app store?
"As we want to offer users a way to access apps without tracking, we have an option to sign in to App Lounge Anonymously. With this option, we are able to offer access to commercial applications without requiring a personal Google account: it means no tracking! This option gives only access to the free catalog."
That would work for me, but only if I know that BankID and my bank will support such a system, which I suspect they will not unless forced to by the government.