I’ve never had a wall charger just stop working, but I have certainly lost some, and broken a few USB ports. A good quality charger should last long enough that you’ll replace it only because newer & better charging tech is available.

If you want free options, I often use MailEnable and hMailServer in lab environments. Also a free Azure developer trial includes some M365 licenses, and it pretty much always auto-renews every 90 days (I’ve had a few tenants going for YEARS now)

I have a terrible habit of dropping (or often straight up throwing) my phone around on accident. I always use a tempered glass screen protector and a solid case that extends beyond the screen in the front.