i had a pay as you go nokia which was very basic and wanted to be able to download apps.
so I went to the o2 shop about six years ago and decided on a samsung on a two year contract. I have unlimited calls, texts and downloads.
i'm now on my third samsung, a galaxy 8, and am very pleased with it. so much so that I might not upgrade it in October when the contract comes to a close.
if I do have a new phone then it'll be the samsung galaxy 9 which came out a year or so ago. I don't see any point in having the top of the range galaxy 10 just yet though so won't go for that one.
you can do so much with a smartphone - i've got quite a few apps on mine. I bank online, I send and receive emails, I control my heating with my hive app too. there are so many apps - one of my favourites is a "storm app" which shows the weather where you are - when it's raining or snowing that is!
samsung appear to be the most popular make of phone, my daughter and two grandaughters also have samsungs having upgraded from their previous ones.
good luck - i'm sure you'll be able to find your way through the maze and end up with something which will make your life easier.
oh, I also make and receive calls on my smartphone!!