This is what I use for myself as well. I feel if you have fast enough internet, it’s great since you don’t have to worry about storage and it’s just streaming on demand with no buffer.

Unfortunately as a multi lingual user which includes using a more “exotic” language. There is not much choice asides from either SwiftKey or Gboard (I use SwiftKey)

I use SwiftKey but block internet access to it.

I use bitwarden for all but it’s protected by a yubikey.