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Must be a couple of decades since I was last charged for SMS

Try sending an image on green.

PAYG plans do.

Don't they almost all work on a "goodybag" model now where you top-up £x for the next month of tens of GB of data, hundreds or unlimited minutes, and unlimited texts? Using "real" balance is uncommon in my experience

Only if one buys such a "goodybag".

My father doesn't and so pays PAYG rates when he uses his. Which probably makes sense for him, given his infrequent use pattern.