I’d probably be like you if I’d experienced all those bugs but luckily I haven’t had too many issues. The worst I had was with iOS 7, but luckily that was resolved within a few months. I don’t pay for Apple services either apart from £2 a month for additional iCloud storage. I use Strava for fitness and Amazon Music. I haven’t bought an app for 2 years and I think it was 5 years before that lol. My iPhone changes very little between device changes and has been very much the same layout for several years, since my 6S.
I think it comes down to personal preference and what works for us. There’s no right or wrong choice with these sorts of things. It’s nice to have a good range of choice too