I’m going to say that today, even on lower-end phones, the screen, processor and camera are all pretty decent.
I have a Motorola G31, which cost about 200€ one year ago, when I got it. It has a Micro SD Card Slot and a headphone jack. The screen is plenty good (1440p,60hz) (why would you need 120hz or 4k on a phone) And the camera is also quite nice. It has no fancy features, but it takes pictures and that’s all I need.
From my perspective, flagship phones are impractical and overpriced to say the least.