Between basic storage being so much larger than it used to be (the 4-8GB days were brutal) and USB-C flash drives that can plug into your charging port, I seldom miss them these days
Still sucks that they removed them as an option though
I'm not a fan of xiaomi (even though it's my daily driver), but most of their phones fit your needs. In the past I used redmi note 4, note 9 pro and now note 10 pro and they've all been great.
I pretty much stopped using my phone for audio when they got rid of the headphone jack.
Wireless headphones still aren't great and most are uncomfortable. It's super annoying keeping them charged and they are so expensive when you consider how short their lifespan is.
I'm in a similar boat. The only time I do plug in headphones (via the usb port) is on nights I'm having a very hard time fall asleep. But I do that at the expense of being able to charge my phone 😔
Man, that sucks. One of the other things for me is that you can buy decent headphones for like seven bucks with a 3.5mm jack. Most USB headsets are going to be a lot more expensive.
Does your phone support qi charging? That could be a solution if it does.