I have a Pixel with GrapheneOS. I control the backups and I can reset it without an internet connection. It’s fine for me. As for OTP, I don’t think I have ever needed it on my smartphone. I use Bitwarden on my home computer, but https://keepassxc.org/ should work too.
If I had to go back to a dumb phone, I would slowly erase each application on my phone, and check that I don’t need OTP on the go.
And some banks require that you use the mobile application, but I haven’t seen it in my country.
I have a Pixel with GrapheneOS. I control the backups and I can reset it without an internet connection. It’s fine for me. As for OTP, I don’t think I have ever needed it on my smartphone. I use Bitwarden on my home computer, but https://keepassxc.org/ should work too.
If I had to go back to a dumb phone, I would slowly erase each application on my phone, and check that I don’t need OTP on the go.
And some banks require that you use the mobile application, but I haven’t seen it in my country.