idkhh Firstly it doesn't sound like your threat model needs to worry about not having a SIM, so use a SIM.
Secondly for those who are going to use a phone without a SIM most are going to use VOIP numbers, they don't use the SIM number for texts and calls. VOIP is transmitted over internet connectivity only, you can text and call with VOIP numbers like regular SIM numbers, they're just using internet connection instead of the SIM text/call mobile network side. Granted, if you are using a SIM then they are still hitting phone towers, but my understanding is that it is done in a different manner (as far as how it's routed through the mobile network). So without a SIM people connect to WiFi to send/receive calls and texts. VOIPs are still insecure communication, so you would use something like Signal when you can and VOIPs for the rest of the world who doesn't want to use Signal. VOIPs however, have the added benefit where some companies allow you to purge your texts/calls/etc from their servers.
If you're just a "normal guy" as you put it, then use a SIM card. You don't have to be a criminal to warrant the threat model of not using a SIM card, but it sounds like you're "not that guy" either, so don't worry about it.