I can mirror using Roku. But that requires wifi.....i am full time rving and need data. So my issue is:
Verizon plan has slow hotspot speeds, but connecting directly gets faster speeds....make sense?
Yup, totally. For mirroring, you're using part of the bandwidth of your router to do the video stream, and that's intensive both in data amount AND in processing, which is why, often times, mirroring a device wirelessly results in either choppy images, dropped frames, or delayed audio.
In your case, streaming directly to your phone might look OK but, as you mention, if you were to use a Chromecast or Roku using your hotspot, that speed would be reduced and so would be your video quality.
So if that's your particular case, you would probably be better off with your current set up (wired mirroring), with the caveat that the screen would remain on.
Now, since you own a Samsung, does the HDMI dongle prompt you to use DeX? If not, you might want to look for one that does (they're not expensive, probably 20 bucks?) and that way you can use DeX on your TV but the phone screen either remains off, can be used for something else, or can be used as a mouse for use with DeX. Note that this is only true IF you use DeX and not direct mirroring, AND that not all video apps work correctly on DeX in external monitors/TVs that don't feature proper DRM protection ports.