The best thing you can do is not use a sim card at all, put your graphene os mobile in airplane mode and access the internet through WiFi via a VPN that decouples your IP from your browsing history i.e. Obscura
But banks, governments and other institutions are using sms for verification so you need a bridge, and that bridge is VoIP numbers.
VoIP numbers protect you from local attacks i.e. no one can intercept your sms and voice calls in close vicinities.
I recommend http://jmp.chat for US, Canadian and European numbers as they provide them without kyc and their android app is nice.
This also prevents physical and social engineered SIM swap attacks, the support team there won’t transfer your phone number to someone else just because someone asked them nicely or gave up your legal identity and things related to it. Because they don’t have it and they don’t verify like that.
I recommend you have 3 numbers, one for banking, one for gov ID and stuff, and one you give everyone else. This prevents someone to take over your legal identity if they have somehow gained access to your “everyone” number. And you gain breathing space on your banking number and can track important financial matters seperately.
One caveat is, if the phone call or sms is routed through PSTN (plain text copper, nothing is encrypted) anyone can snoop in to your phone calls and sms if they have the e.164 number i.e your phone number.
By using a non-kyc number you ensure that your legal identity is not corelated so nobody knows what is “your” number.
You can move to a country where PSTN is shit down eg Netherlands, Germany but I don’t advise that. Just use signal for messaging and voice calling, imessages are also e2ee, whatsapp is also e2ee (caveat is the metadata isn’t), so anything is better than sms to be honest, facetime is e2ee, but I recommend using http://booth.video for video calls.
One problem with using VoIP numbers is, you need internet, so either use Obscura with public WiFi’s or get data only sim cards. Most countries will ask for kyc information for that. I recommend getting http://silent.link eSIM.