We all start somewhere and have different expenses so I am saying this respectfully. Also, I started out with a phone solution as well.
I believe the industry is moving away from phone solutions so support for your case is diminishing.
IMO to really get a good experience investing in a good headset really helps and a PC is a bonus but not a must at this point. If you are on a budget I would try to find a Quest 1 used or refurbished.
Facebook sometimes will have an inventory of refurbished models for Quest 1 and 2 with a 1 year warranty so I would be on the lookout for those or try the used marketplace.