BitBanging
As you mentioned, over-provisioning and other NAND flash memory health management techniques like garbage collection and wear leveling are needed for usable modern SSDs. Modern SSD controllers are complex beasts having 3-7 microprocessor cores (probably double digit core counts now with PCIe 5.0), encryption engines, power & thermal management, error correction, multiple hardware PHYs, etc.
Example product sheet: https://www.marvell.com/content/dam/marvell/en/public-collat...
Some calculation like:
total storage size / page size per LBA (512B or 4KiB usually) * mapping data structure size
I wouldn't really expect controller-less NAND flash to ever meaningfully compete with what we have now. There is a lot more specialized hardware in a typical SoC than just a microprocessor and NAND flash chips