Even with less outdated cameras (e.g. the last high-end APS-C from Nikon, the D7500), HDR bracketing is much worse than most mid-range phones from the last 5 years. And assembling them after manual bracketing in post-processing is also not great. Nikon HDR creates halos, doubling, even on relatively fast shutter speeds.

That said, I don’t have the experience of phones being "good enough", and even my Sony RX100 (edit: was "RX1", my bad) first gen which is quite old is out-performing 99% of the smartphone market in picture quality on a good screen, if you exclude HDR.