I was a latecomer to smartphones too. I walked into a big electrical store and basically threw myself on the mercy of the assistant. I told her my budget and asked what she recommended, without a contact. She recommended a Samsung. The first week I just used it as a phone, then I connected it to my wifi (very easy), then I put my email details in, then I started using it for browsing the Internet at home. A few weeks later I was out in the car, looking for a shop that was supposed to repair my satnav. I couldn't find it. I parked at the side of the road, turned on mobile data for the first time and clicked on Google maps. When I found out the price for repairing the Satnav I decided that Google maps would suffice. Most things I discovered when I needed them. It really isn't hard, just look around at all the very young children using them.
I wouldn't be without mine now. I discovered how to connect it to my printer too for photos, postage labels etc. In fact when my laptop died I didn't bother replacing it. I get notifications from the bank whenever money comes in and out of my bank through the banking app. It also now controls my wi-fi.
Just one word of warning! I find that if I can't sleep, sitting in bed browsing the internet (shopping) on my phone is dangerously addictive.
I no longer need a camera, satnav, torch or laptop.
After over five years I dropped it on a tiled floor. I was back in the phone shop within the hour to treat myself to a replacement, another Samsung.