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For my past 3 phones I just bought straight from the manufacturer.
I recommend it and hope phone unlocking gets pushed through despite their whining
I’ve done this almost from the very beginning (back in the 90s) and always had very small mobile communications costs because I could easilly change providers and plans and even do things like use a local SIM card whilst abroad to avoid roaming costs.
I haven’t financed a phone since 2008. I copped a fee for ending a 24 month contract a day early.
I just buy a cheap outright handset, flash a community ROM and avoid everything my telco offers past a $20 basic service. Handsets with community support go for years past what the manufacturers support.