There are options. Some IOT things are even DIY with open specifications and open firmware, so you can build and repair them yourself. And a lot of times it’s the cheapest option, way way way cheaper than the usual IOT stuff, as most electronics used for IOT are dirt cheap.

IOT can work without any cloud service. I have some things automated at home and everything works locally. To control it remotely I use a VPN.

The fairphone 4 doesn’t have a jack and its from 2021.