You’re right about memory cards, but wrong about wired headphones. They work just fine, I just either need headphones with a Lightning plug or a Lightning to 3.5mm adapter, similar to all the Android phones that don’t have a 3.5mm headphone jack, but replace Lightning with USB-C.
Lightning and USB-C headphones and adapters exist, of course, but it's easier to have one set of headphones that works for everything except the gameboy advance (nintendo learned and went back to 3.5mm), and has an adapter taped to the receiver if you want to plug into your receiver.
The official adapter from Apple costs $9 and works flawlessly.
https://www.apple.com/shop/product/MMX62AM/A/lightning-to-35...
I guess Apple's official answer to that is either bluetooth earbuds like AirPods or using MagSafe to charge.
ROG phone current has the best audio hardware but guess who's second? It's LG. LG from 2019 still holds the throne if Asus didn't realize they should put a DAC inside ROG phone 5.