You aren't wrong in a technical sense but the amount of effort to make it work is really overstated here. It shouldn't take more than a few hours tops for everything you are describing, not including the time spent choosing the phone of course.
You have to compare it to the time lost with iOS as well, whether it's from missing apps/features or salary hours spent on the Apple ecosystem because of the lock-in.
Your second paragraph is a bit of a stretch in my humble opinion. Missing apps and features, on iOS? I see. And salary hours?
I was a long time android phone user. I used Cyanogenmod, which became Lineage. I was kind of left in a lurch once CM dropped support from my phone. Then I was using some truly obscure software. It doesn’t feel comfortable to use with banking apps.
There used to be a good handful of distinct advantages for Android on phones. But today if anything important is missing, it’s more likely be missing on Android. Outside of someone who really wants FF with UBO. For example, if you buy a Sonos sound bar and want to use the room adjustment software, it only exists on iOS. Sonos can’t guarantee the quality of the microphone used to enable the software for Android.
In regards to your first point, yes it may only take an hour or two if you know what you’re doing or have done it before. But most users are not going to be doing all of that on their phone.
For me, I found that chasing secure and up-to-date software on android ended up being like duplicating my desktop PC. And I say that as someone who is an Android fan. Just for certain use cases. And by no means a partisan in this whole debate. It’s really just my experience as a software developer that has spent five years or more on each platform.
I quite like the Samsung phones. If I went back, I would pick up one of those. I really like the Dex feature and the USB-C is mandatory. But there’s not much that personally draws me in from the points that you mentioned, the time and technical investment, any missing features or lock in.
You have to compare it to the time lost with iOS as well, whether it's from missing apps/features or salary hours spent on the Apple ecosystem because of the lock-in.