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I've been on T-Mobile prepaid since at least 2010. I get 10GB of data off contract for $40/mo. If I use above that it gets throttled, but I never do.
My price still hasn't gone up. I am certainly waiting for it.
I buy a new handset every few years. Most times I get one from the EU that has the bands I need for local service.
I'm not sure what you mean RE 4g/5g. I just replaced my phone with a 5g handset and get 5g coverage with it. I had 4g with my last handset.
Are you saying the 20-40GB plans have overage charges? I'd rather be throttled if that is the case.