That said, the recommendation I always give, and personally follow: keep a spare phone in a drawer somewhere, with official Android installed, a Google account, and use it exclusively for business purposes - banking, government services, and the email account you use for those (separate from the one you use for everything else). Nothing else, no messaging, socials, browsing, or games.
Then you're free to keep your personal phone FOSS and as private as you like, without fear of getting locked out of important stuff due to a crappy Google® SafetyNet® upgrade.