Calls and SMS work fine on pinephone.

Battery life not so much.

It works fine for me.

Fine if you don't need to use it for online banking on your phone, that's my main blocker.

My bank sends an SMS for OTP.

I know it isn't very secure. But certainly better than having a seed locally stored.

I'd rather a seed on a device I own rather than being able to be smished.

If I can't see the seed and I have no way of exporting it. What do I have?

If I can't see the person in the telco being paid off to have my IMEI reattached arbitrarily, what do I have? A person who can MITM the SMS codes.

I wouldn't call an Android device "a device you own".

Why don't I own it, explain.

I choose banks which do not require mobile banking, including virtual credit cards. You can also try Waydroid to run Android apps. I heard it worked for some banks.