SIM cards are just Java Cards, after all – the secret sauce is the proprietary software running on them (the ones you've linked seem to come with an implementation of that pre-loaded) and of course the keys they hold.
Nobody keeps you from implementing all the SIM specifications in an open-source Java Card application, and I would in fact be very intrigued to see it happening ;) As far as I know, experimental/hobbyist GSM networks, like the ones running at some conferences, are still using proprietary SIM cards, and an open source implementation would be very interesting to study.
I've put test SIMs in plenty of real phones, before tossing them into an RF chamber to talk to the network simulator. The real network doesn't seem to care.
Even if you'd be using an actual IMSI (not recommended – this seems like a legally more gray area), you would just fail authentication with that provider's AuC and the network would not let you register in what would be the GSM equivalent to a device trying to connect to a Wi-Fi with the wrong password.
Edit: yes, but I wonder how much trouble you'd get in putting this into a real phone?
https://www.aliexpress.com/item/32900944064.html?spm=a2g0o.d...