You sound like the ideal candidate for a refurbished Pixel 7 / 8 from amazon.
Test its hardware thoroughly on the stock os in case you need to return it.
Install GrapheneOS using the Web installer.
Install Droid-ify into your main profile from the f-droid web page. It looks much better than the official f-droid client and actually has a working auto-update
Create a work profile. I use an app called Shelter as the work profile admin app. This allows you to auto freeze your big-tech apps to help with battery life / privacy. Install google services from the built-in GrapheneOS app store.
Enjoy.
Generally agreed, I would actually try using as many services with their progressive web apps.
The main reason I think they may need google services is the banking app. Mine will refuse to launch without google services installed.