I recently changed from the major carriers to JMP.chat (and now USMobile) because my carrier randomly decided a Pixel5 can't work on their network. But if I buy a Pixel 5 from them, it works.
JMP.chat pipes your SMS into XMPP, which is awesome, for $5/mo, including phone calls. I just use USMobile for a data connection now.
Use the bank website with Hermit or Native Alpha.
I've never paid more than $150 for a phone.
Having 2 or 3 phones for the same price means I can run a hot spare and have a test device for less than one of these new phones.
My experience is the opposite - FOSS is often obtuse, with an assumption that you see things the same was as the dev, which is usually a single person or at most a very small group. Add to that, documentation is nominal, or non-existent, and quite often lacking even a high-level description of what an app does, let alone where to find features in an app. FOSS devs often don't even follow menu layout that's been pretty well established at this point. For example, I've found the Settings menu under File, Help, Tools, View, etc, in different apps.
Proprietary apps are usually developed by a team, one that's studied the market segment (or another group has), and usually understands how that segment operates. They then develop the app based on design goals established by a team other than the developers, with UAT (user acceptance testing) performed at given stages (this is even more frequent today with Agile project management). It's not uncommon for a UI to be mocked up and given to end users to validate UI design/layout choices long before anything is even developed.
These devs usually follow a company standard process, with code reviews by other people. Their changes must be approved by management, and those changes are often requested and reviewed by other teams before being submitted to the dev team.
Most FOSS simply doesn't have the time or staffing to do what most proprietary software dev does.
And I use both proprietary and FOSS all day long.
Very nice. Looks like you got the oil thin enough (as Cooks Country would say, so thin it's almost not there).
A few more rounds and it'll be a solid layer.
When you say sync, what are you wanting to sync?
Passwords, keys, etc? Bitwarden (maybe with vaultwarden).
Going from memory, I think the app Immich is often talked about as a server for your own photos. I haven't tried it yet.
Oh, nice combo of tools. May actually be a better approach than Resilio or Syncthing.
It's meant to be humorous or ironic, or to express frustration.
Of course it's in the last place you look, because once you find it you stop looking.
Oh, wow, I didn't realize masgravel license 365 too.