A:Answer Well. I fully appreciate what you mean. My use of the phone is very similar to yours; almost entirely talk and text.
What I found is, going strictly by usage is the most expensive way to use your cell. I tried it for a while but occasionally got caught having to buy minutes in an urgent, and therefore expensive, way.
I wound up with Simple Mobil because the phones and minutes were the least costly. (My last cell was an iphone; don't even get me started!)
I really can't recommend a by-the-minute provider because of the relative cost. And on such an open, public forum I feel it's inappropriate. You'd probably be better served asking your question on a more private location.
Or, this site may be helpful:
https://www.mymoneyblog.com/list-of-cheap-basic-prepaid-cell-phone-plans-under-10-a-month.html
What I can tell you is I'm very satisfied with Simple Mobil. The first time I got lost and needed on-the-spot directions, it paid for itself.
Sorry I couldn't be more helpful.