If an unlocked bootloader would satisfy you for this device, then surely the Fairphone should be good for you too? At least for the FP4, you don't even need the CLI or anything - just install the desktop app [1], connect your phone, and run the app.
I'm currently using an old iPhone, but my plan once it finally dies is to buy a pixel phone and immediately wipe it and install Graphene. It seems really weird to buy a google device if I want better privacy, but based on the research I've done it really does seem like the best option if you value privacy, are willing to deal with a little bit of pain to get privacy, but also need a phone that can at least sometimes do things like run banking apps that force you into the panopticon of bullshit.
I know you specifically said pre-de-googled, but as you said it seems like the options there are really bad, but graphene does seem to make it pretty easy to install (although I haven't actually tried it yet).
I've considered, for instance, getting a fair phone. But the only way to get a pre-de-googled one is through a third party at a 20% premium..