I hear you on the VF!!! I wouldn't buy any real camera without a VF -- these days so many P&S cameras come without them, which i think is unfortunate. Sure, that enables the manufacturer to make a small, lightweight, tiny little P&S which slips easily into a pocket or purse, but without a VF it is definitely difficult to shoot and to control the image quality., especially outdoors. The other day when I was on the boardwalk with just the iPhone, while it was fine for some shots it wasn't so good when the sun reflected in the screen and I couldn't see what I was trying to shoot -- that was when I was tempted to run back to the car and grab the real camera, but resisted that urge. So I got a few casual photos on the boardwalk with the iPhone that I hadn't captured the day before when I was out there with the RX10 and that satisfied me. The image quality on today's smartphones such as the iPhone X and iPhone XS is head-and-shoulders above iPhones of a few years ago, but definitely when doing "serious" photography I reach for a "real" camera.
I find my iPhone comes in handy if I am out somewhere without a camera and spot what could be an interesting shot -- and there's that saying about "the camera you have with you...." At home I sometimes have used it as a preliminary test shot device when setting up a still life, spending some time trying different angles and perspectives before I then pick up the real camera to start taking some photos. (Kind of reminds me of the old days when we used a Polaroid back to shoot Polaroid images as immediately-viewable test shots to determine best exposure and lighting setup prior to putting film in the camera and shooting with that.....)
Over the years I have found that I tend to shoot either macro/closeup or telephoto, and rarely use the 35mm lNikon and Sony lenses I have in my bag for those respective cameras. I also find that i rarely use the 35mm length on the zoom lens of the RX10 M4, too. Once in a while I'll shoot wide angle, say 24mm, but really prefer getting up close and personal with my subject..... Now, if I had been shooting AFB's Big Kitty I sure wouldn't have been using my iPhone! LOL!!!!