I know we are straying off-topic here a little bit, but since we're sharing (and for those playing along at home).
It's not entirely off-topic, because the cost of the phone is a one-off expense, while the monthly plan charge impacts your monthly budget indefinitely. That is arguably more important ($65/month over 3 years adds up to $2340). That's twice the cost of a brand new iPhone.
The low prices I quoted were for a UK MVNO (giffgaff) running on the O2 network, but I have used them when visiting the UK (paid a little more for 5G), and never had a problem with speed or network availability. The low price does come with a lack of features (no visual voicemail, MMS is extra, premium rate numbers are extra, international calls are extra...). However, it did include roaming within the EU at no extra cost.
In the USA, the main cellular networks (AT&T, Verizon, T-Mobile) do in theory cover the whole country, so roaming is not a thing (except for Mexico and Canada). However coverage is only in populated areas, so "whole country" needs to be taken with a pinch of salt. Any time you go off the beaten track you will lose cellphone service. If you want an emergency phone when hiking, you will need a satellite phone.
Anecdote: in 2001, I landed at a small airfield in the Kruger National Park in South Africa (basically in the middle of the bush). I thought no way would there be cellphone service, but when I switched on my phone the signal was 5 bars.
International calling is less of a concern now with VOIP services like Google Voice, which you can use for free with with cellular data.
Also, I have found it nearly impossible to use more than 5-10 GB even with intensive data use. Maybe that is different for people who consume their entire social media on their phone, but my eyes are not up to the task, and watching YouTube on a teeny tiny phone screen instead of a big desktop monitor is frankly an exercise in self-flagellation.