This sounds so much like me in many respects as I am now out of contract and currently still have my 700 mins and 17Mbps ADSL BB. I have two PAYG phones, one with O2 and the other with 1p Mobile. Also have a ZTE WiFi hotspot device with a Three loaded data SIM just for fun and for power outages which haven't occurred recently.
I like the fact that ADSL is backed up at the exchange. The HH4 here, is backed up with a UPS which also powers the BT4600 phone system.
When BT force the move to DV, it will be the case of swapping the HH4 for the SH2 which they will have to provide, to maintain the phone service.
Both the HH4 and the 4G connection are filtered by Pi-hole to remove most adverts and trackers, which would normally consume bandwidth and slow page loading.