You can also get, for $120, a NIB LG V20 H910 with the same Quad EES DAC:
https://www.ebay.com/itm/New-in-Sea...-7-Unlocked-UNLOCKED-Smartphone-/143130320084
Use it to feed a $100 headphone amp. I use a Liquid Spark and HE400i phones. Works great! Others would likely choose an Atom or a Heresy. You do not need - or should - use an OTG cable. Use a 3.5mm to RCA cable to directly drive whatever Amp. (I've assumed you will be using headphones, but the V20 also is a fine source for a stereo receiver or AVR. Simply plug the RCA ends into the CD in or other line in input)
The V20 Quad DAC is far from 'a bad phone DAC'
@amirm test of the Quad DAC in a LG g7 showed it equal or better than many desktop DACs with 110 SINAD. Fine for 16/44.1 FLAC files etc. As good as or better than many purpose-built expensive DAPs.
You don't need to subscribe to AT&T or any other cellular service. It will work fine on 5G or 2.4G wifi w/o a SIM card. Add a micro SD if you like.
I use Amazon Music HD, but anything available on Google play for Android 8 should work - tidal whatever.
Perhaps take the time to search here on ASR for 'V20' and read the various related threads about it
PS - I'm 77 yo so no worries - you can easily get a great HP setup, too.