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My latest phone I bought refurbished and unlocked, and I switched to an MVNO called Tello. Couldn't be happier.
https://tello.com/
Tello is solid, assuming you don't need support beyond 'how do I make phone calls' tier 1 support, and that you don't regularly get connected to an oversubscribed tower.
I've had tello as my second line for years and it's fine, $6. But I tried to move my folks to it, and the tower we connect to at home is so badly saturated, data literally stops working during the day. Tello uses tmo, and tmo gives MVNOs qci8 (lower is better, 6 is 'priority' data for tmo). It's the only downside to tello (but any tmo mvno will have the same issue).
E: excluding a couple metro by tmo plans, and one specific fi plan
Would I be able to keep my old phone number if I switch to them?
Yep - all service providers support porting. The process for tello is very straightforward and self-service. And if tello doesn't work for you, porting out to somewhere else is also stupid simple and fully self-service on tello.
Honestly...buying phones through the carrier is one way to stay poor (or at least get stuck in an overly-expensive cycle). So more accurately, it's a case where "having more money available makes it cheaper".
Almost always, carrier subsidized phones do so with statement credit that keeps you tied to that carrier/plan for 2 years or more.
You could pay off early, or you could switch carriers...but then you're missing out on that subsidy.
Alternatively, if you buy through OEMs, especially for flagships, they often have trade-in deals for previous phones, and often times they are quite good.
Sometimes you can even find a model phone that's allowed to trade...that fetches he's a trade-in credit 2-5x more than what the phone goes for on swappa. Do with that knowledge what you will...
And not to mention, like you said, lots of deals to be had out there on last-years models and manufacturer-refurbished phones. Buying used phones can be dangerous unless you know for sure it's unlocked and not stolen.
I'd be weary buying a used phone on eBay or at a flea market or even FB Marketplace...but I think swappa protects for that exact circumstance.
And if you aren't looking for a plan with phone subsidies, you can find much less expensive service.
But for it to work, you usually have to buy the phone outright.