many results say to install custom ROMs which I can’t since its a US model and the bootloader is locked.
Are you sure it can’t be unlocked?
Many phones that don’t officially support unlocking can be exploited to do so anyway. Some will lose relatively minor functionality in the process (camera enhancements were lost on mine, but the camera still works fine) but the tradeoff is often worth it.
I think how often this is a problem varies widely from person to person. I don’t remember the last time I gave a mobile number out to a company, but it was more than a few years ago. The last few that strictly required one were non-essential; I just took my business elsewhere.