78 + years old and I have an Android Motorola. Not 5G and not concerned about that.
I use it for:
-Phone calls
-texting (I use voice text when ever I can)
-email checking
-Checking the weather
-Syncing with my Charge 5 Fitbit (love the stat graphics)
-Controls my sprinkler system - I like that too!
-Checking the stock market (it's been bad lately)
-Syncs with my Omron blood pressure tester - keeps a record of my BP for my doc to see
-Works as an alarm clock when I travel
-has a calculator that is handy
-"Callsblacklist" software (free) stops spam calls and texts dead in their tracks
-Waze software is what I use for navigation when I travel - real good stuff!
-Google calendar is good for keeping track of stuff you need to keep track of.
I really don't use the device to surf the web as small screens are not for me. I have a Chromebook for that.
I do not use the phone to interact with my financial sites.
Battery on this Moto G Power lasts three days.
You don't have to be a geek to take advantage of all the things you can do with a smart phone and you can spend less than $200 to get a decent one like I did.
DW has an iPhone 6S+ and it's all she needs. She also has an iPad.