I don't like paying $1K for a phone. My current one was CAD$140 at Costco three years ago. It has 32GB of built-in storage which is always 90% full regardless how diligent I am at moving stuff to the SD card, and it has 3GB RAM which was fine three years ago, but is now insufficient to run certain apps at all. Without anything else (that you have control over!) running, start the app, immediately killed due to out of memory. These are apps which were snappy and reliable a few (forced) updates ago. No new features, maybe some UI restyle, but now too bloated to use.

Time to upgrade to the latest cheapy? Well, thanks AI boom, there aren't really any cheapies any more. And even $600+ phones now come with... drum roll... 5GB of RAM. OK, which maybe covers me for another two years of bloat until I'm right back where I started.

Yes, it's possible to stay ahead of the bloat if you pay $1.5K+ for your phone and upgrade somewhat regularly. A colleague has hundreds of apps on his phone and they all work.

Me, I use a desktop browser. Except for certain things that are only available as an app. The xda-developers types say no problem, just unlock and root the d*mn thing and then you can run debloating tools and if you jump through all the right hoops the banking app will still work. Bleech.