Regarding Canon, true enough, they gimp their products to be greedy. That's why https://www.magiclantern.fm/ exists.
Your general rule of thumb is irrelevant. There are many optics tests done of available modern cameras, including phones. Phones get nowhere close to the photographic quality of a proper camera, but are totally fine for viewing on another small screen or small prints.
My wife has had prints of photos taken with her phone hanging in galleries, but even she (who prefers a phone as an artistic style preference) would never dream of printing anything larger than a 5x8 from a phone. My photography prints on the small side tend to be 12x18, and I often print as large as 40x60. A photo from a phone is simply unusable for me.