Re: so since all carriers are accepting the return of the note 7....
I had a v10. I loved it until the update which destroyed the battery life.
What update "destroyed" battery life? What carrier were you on?
A couple years ago I had a Samsung Galaxy S3 where the Android update killed the battery life, to the point where it was unusable. No one would take responsibility, so I took it back to Costco and got my money back...and swore off Samsung stuff for the rest of my life. They earned my never doing business with them ever again.
I have V10--T-Mobile. I got it used last November, from some guy in the hood who overextended himself. (I think his account is still in arrears on this phone, because T-Mo says he still owes money and that's why they won't unlock it--but they'll happily let ME use it.)
When Android 6 came out, I stayed away because of my Samsung experience. If it ain't broke, don't fix it. But then six or eight weeks later, after many good reports here, I went with the upgrade--and all was well. No battery life problems, nothing. (Some people did report such, but the general consensus was that a factory reset solved those problems.)
I would say, V20 is the answer. iPhone 7 isn't, not until 7S at the earliest (never get the first gen of a new Apple unit), and Google Pixel doesn't give me SD card capability so it's not the answer.
Headphone jack? Check. Android 7? Check. All the LG software like Bridge? Check.
And if the unlocked version plays nice with T-Mobile's visual voicemail and wifi calling, then I'd say yes, V20 is the answer.
Another answer might be to wait to see what Samsung does for Note 7 owners. I would think they'd fall on their sword and give you something else, if not your money back.