For the cost I'd recommend
Consumer Cellular, you can buy a phone and $20 monthly plan (unlimited call, text, 1GB data) at any Target store or online.
You do not need a 5G phone! The present 4G/LTE network will be around for many more years due to the tower requirements of 5G. At least that's what the local Verizon store manager told me last year.
Verizon also has a
Visible prepaid plan that is quite reasonable.
As to a smart phone, expect to pay a minimum of $150; IMO very few people need a $1,000 phone, do they want one, sure, need is different. They all do the same thing.