In my experience, T-Mobile's had great deals on handsets, and I'd be a market for their Magenta Max lines anyway. You just have to be willing to accept a last-gen phone on a two-year not-contract. My S22 that I handed off to my sister was literally free for me. My iP13 was, like, 300 dollars, when that was still something like a 600 dollar phone when I signed for it.
In fact I'd say carrier subsidization is precisely why mid-range phones get next to no traction here, and why one is viewed as poor, as lesser if they can't "afford" a flagship. Why would you buy a mid-range phone outright when it would often cost more than just getting a flagship through your carrier? I'd hazard a guess that most people aren't using an MVNO that'd justify that behavior. When I was on Mint, that made sense, but on Mint, I was always deprioritized. I had decent enough voice and texting service, but my data basically only worked when it felt like it. Which isn't a great feeling if you're relying on it for navigation.