Or instead I can not spend all that time and effort messing with my phone that holds all of my data and instead but a moondrop phone and never show Samsung my wallet again.
You're actually buying that Moondrop device? Let me know how it goes, seemed like a cool concept but I can't trust them enough to get a mobile device done right
The only headphone jacks worthy of good IEMs are Sony, old LGs and maybe DAPs. That Moondrop device might be an exception but I'd skip a dedicated device and instead buy something I can root and then attach my dongle to, to get around that pesky Android resampling.
There's an argument to be made for better quality with external amps, but there's no argument to be made for manufacturers making things worse despite feedback specifically to leverage the market with their dominant position. It's some McKinsey shit.
I can't prevent capitalism. I'll just do the best I can. Luckily, good dongles aren't very expensive and I stay with the more budget IEMs. You might be different; I have seen plenty of Lotoo PAW Golds at CanJams, for example