Yeah, the new Google Play requirements around Personal accounts are extremely hostile to solo developers. The "simple" workaround is to start a company with a virtual address, and sign up for an Organization account. They'll still publish your company's address, but at least you won't have that ridiculous 20-tester rule.

I don't have much experience with alternative app stores - and I suspect most of your users won't have either. It's hard enough to monetise on Google Play as it is, let alone on an app store that significantly fewer users.