Been using BitWarden for years. Still happens to me all the time. 7 times for my HSA this year alone.
These attacks have been going on for years and many hospitals have had to shut down or divert for this reason in the last few years. Homeland security has directed them all to clamp down on security and the FBI and NSA are working with them to determine who is behind the attacks and how to defend.
Look into Bangle.js, it’s what I have, it fits some, not all of your requirements.
It’s open source, both the hardware and the software so no lock ins whatsoever.
They advertise a 2 week battery, mine lasts closer to a month between charges.
You have to install any features you want (every feature is opt in, not opt out).
There’s no speaker, microphone, or keyboard though, so no calling or texting straight from the watch. It’s currently £77 before shipping.