Iphone is over price and under utilized for me leh!     What about Nokia or those no bloat wear phones? Any good?

Already doing this since 2011.   My XM note 11 got flag for security issue due to XM OS!  Only factory installed app. Never even use for calls or messaging. 

Looking at my usage.    Type 1 , is Surfing, video, Pictures.  Daily transaction.   <$1K  (android preferred) Type 2. "Clean environment" -  banking app, nothing else. unused except for 1 a month OTP (no see light phone)! Nothing else. NO calls, no social apps.... Basic phone.   <maybe ~$500.? No idea for what is enough.  My XM note 11 is $200.   What is you recommendation.  I feel Iphone is over price.   Is it more secure?