Right, that's true. My main concern is that I need to work with 3 SIM cards regularly (German, Chinese, Malaysian) and already have to either hot swap or use a spare phone, so I'd really want to see a phone that offers a standalone SD slot without compromising at least dual SIM.
I've just got myself one of the aftermarket eSIM add-on cards from 5ber.com which seems to be working fine, but both my Malaysian and Chinese ISP don't offer the functionality at all just yet. Ideally I'd want to have all 3 profiles on one, then the dual SIM wouldn't be as needed as it is now.
The Motorola has 1 tray for 2 sim cards and 1 micro sd card. The nokia had 2 trays, 1 for 2 sims and 1 for 1 micro sd card. The Nokia has binned 2 weeks ago, battery was in no time flat and the back of the phone was bulging
So technically if a phone has a dual SIM slot where the second slot is shared between SD card or SIM, you can still use both SIMs and an SD card. There are little adapter ribbons that allow you to do so. One of my previous phones was a Huawei Mate 8 that I did that with.
One of the cards dangles out, and you do sometimes have to file the SIM tray down a hair (just the tray the slot/phone is not modified at all). A lot of the ribbons have an adhesive back and just enough length to curve around the body of the phone so that it contours the phone and sticks to the back.
Since I kept my phone in a case it was essentially indistinguishable/seamless to me.
Below is a link to an example of the adapter I'm talking about.
Moto stylus 5g has both. The review said it had bloatware, but it had way less than my S9 or z fold 4. It's running pretty lean out of the box, with just a few moto apps you don't really need.