The software for linux phones is pretty much there. Gnome and KDE mobile are surprisingly capable. There’s built in apps for every basic thing you’d need on a phone like a dialer, SMS app, camera, etc. plus all the normal apps adapted to work with mobile like the calculator and maps apps.
The only real limitation is with the hardware. I have no idea why all new linux phones launch with specs from a decade ago. You can get a better experience by flashing ported Postmarket OS to an Android phone like the Nothing phone or a OnePlus 6t.
It shouldn’t be like that, no idea why it’s impossible to just have a linux phone with decent specs and a good camera on par with modern flagships.