Agreed. mmWave 5G deployment is not that common from my observation around the world. For example here in NZ most, if not all, 5G deployments is in the 3.5 GHz band (with some test deployment in 2.6 GHz in areas where it is not in use for 4G). Overseas 3.5 GHz is also fairly common. I am aware of deployment in the UK in 2.1 GHz band (currently used for 4G/3G).
There's no technical reason you can't use a phone plan in an LTE router. The only problem might be data caps, but if you can snag an uncapped plan it's absolutely a viable solution.