Have you tried eSIM? It’s dependent on carrier, of course, but it’s actually an incredible UX.
My partner lost his phone (and SIM) recently and I was able to transfer his T-Mobile line to a different iPhone in a few minutes using eSIM. It was totally automated using the T-Mobile website — enter the IMEI then scan a QR code with iPhone camera.
I saved a trip to the store to get a new SIM card and didn’t have to talk to a human.