Your first 3 points are all based on a complete misconception of what 5G NR is. You are talking about mmWave which is an accessory component of the 5G NR standard. Low and mid-band 5G use ~ the same bands (or n71 which is the old TV band in the case of T-mobile) as LTE. Some Network Providers have been doing mmWave first because it is easier to deploy but their networks will also be mid and low band when they finish build-out.

Maybe don't make blanket statements about a standard you clearly aren't familiar with.