My next phone will almost certainly be two phones. One cheap and super standard Android phone to just run banking apps and similar that insists on Google Play etc. Locked down and boring, turned off most of the time. Then a second phone for everything else (terminal with sshd, emacs, emulators, media players ... the stuff that allows a phone to be the general purpose computer it should be). Looks increasingly unlikel…
After just submitting my recent post --- I do like your suggestion. Maybe 2 phones are the way forward. Maybe a PAYG phone which stays at home on my network for particular needs like banking. Then a standard phone which is essentially a GNU/Linux distro.... mmm... Emacs on my phone sounds lovely!
Meanwhile, you can use it in termux if you are on android right now.