From 1997 to 2012, or 15 years, I worked in middle management in the cell phone industry. First with Sprint, then ATT, then Nextel responsible for Nextel's new offering in 2005, Boost Mobile. Later, Nextel was bought by Sprint and I knew it was the beginning of the end as Sprint is(was) a miserable organization.
My work life after the cell business has me traveling very rural so the only network that could meet my requirements was Verizon and I have been their customer now for approaching 10 years.
I never bought into the Apple eco-system. Like the laptop computers, the Apple choices are premium priced over the other choices. For many people the value and justification is there for the premium. I understand. For me, it has not been. I will agree with the sentiment that if you are deep in the Apple eco-system, you might be best staying there. For me, it is Android. Specifically, I buy my Androids directly from Motorola who always offers a nice phone in the $200 range. I carry an older Moto G7 Power and my wife has a Moto G Stylus (2020).
Prepaid is the only way for me. In my early Sprint years, I learned you don't want to trust Sprint to let you talk first and charge you later (know as post-paid or what was often thought as service with a contract.) Its a big accusation but it would almost seem that these companies want their billing to be deceptive. We all hear of people, like in this thread, mentioning that the monthly bill is more than they expect or understand.
With pre-paid, if the service is $50 (paid in advance) then there will never be any additional cost without you being aware of those costs. We are on the VZ Prepaid $50 plan. When I signed up I put down a CC number and at every renewal, the card gets hit fore the charges. in VZs program, once you've been a customer for 6 months, that price goes down to $35. For that $35 I have:
Unlimited calling
15gb of fast data and unlimited slow data after but with wifi in the house, I never really use more than 4 gb per month
Hotspot capability that I use multiple times per month with a work laptop from the field.
This plan does not allow me to travel internationally or call away from North America, but I don't need those features.
This is however enough service for me to run a business and be on the road, locally most days.
$35 per month for VZ service is a good value for me.