it is, but i'm willing to compromise. grapheneos can be an option for a while, ultimately a linux phone. worst case i can settle with 2 phones for a while, one cheap/old stock android exclusively for the bank and such, another one for everything else.
it's also a long run, the way things are shaping up i don't expect alternatives to become mainstream but nevertheless getting improved support over time.
if we indeed end up in a situation where there is no viable alternative then screw that, i might as well go completely off grid.