We did continue our testing which resulted in the pattern in the design system which is linked.
The only tricky part, for me, is deciding whether I should type a state abbreviation or a few letters of the full state name, which in my case differ enough to be quite annoying.
This is what we found was most acceptable for our banking users. They were coming from terminal interfaces. This is a UI/UX flow that we just had to go with. We experimented with fancy date pickers (i.e., <input type='date'>) and it lasted about a month before we were forced to refactor. We kept a date picker icon (exempt from tab order) for novice / younger employees who prefer the tap-tap-tap bs.
If you are replacing a mainframe app with something on the web, the least you can do is make a half-ass attempt to keep the # of physical fields the same and place them in the same tab order. This can make or break your pitch in a competitive B2B SaaS environment. We sold to the users, not to the business. The users then sold to the business for us. You cannot get end users to help sell for you if they don't like the UX. They know they'll have to live with it every day if they successfully advocate for it.