However, many times getting a carrier unlocked phone carries a price premium.

That’s a good point. I’ve started advocating for buying phones lightly used (1-2 generations behind). Until just a couple of months ago, I was rocking a phone from 2019 with no issues. When I upgraded recently, I bought a Pixel 9 from a reseller selling one with an open box and a slight scuff on the bezel (that gets covered by a case anyway). Now I have an almost new phone that works like a dream for almost 75% of what I would get buying it directly from Google.