Uh, can’t you just log in to online banking through a browser? I can.

Don’t use Outlook for non-Outlook email services. Problem solved. I am required to use Outlook for my work email, but I keep all of my personal email separate, accessed with FOSS email clients.

Care to elaborate on the significant downsides?

My OpenBSD operating system on my laptop is set to randomize my MAC address at every boot.

OpenBSD

Doesn’t work with Javascript blocked.

No.

personal

Decent used laptops are quite affordable. I recently scored one on Ebay for under $100. It runs Linux and everything is snappy.