I don't have hands-on experience with any of the brands listed so sadly can't give specific recommendations

Would a second-hand Google Pixel work fine for you, or do you definitely want to buy new? Mobile devices are really reliable nowadays, I doubt you'll need to worry about a warranty (which would not cover accidental damage, like a cracked screen)

I've noticed most countries outside of the US and Europe (making that assumption based on inability to get a Google Pixel or a Fairphone) typically have some locally used apps preinstalled regardless; usually a social networking and mobile e-payment app. I'd expect it to be possible to remove these using ADB if you have access to a computer.

Are you buying direct from manufacturer, or via a carrier? Do note that carriers may have customized the apps installed on your device if you buy one through them. For the least preinstalled bloat, buying direct is ideal