I’ve stuck with vimwiki + fuzzy finding for years and it’s worked without any issues. If you’re into vim based tools, and haven’t tried it, I recommend checking it out.
I'm not big into using my phone for notes. I'll put random stuff in Bear or Apple notes but I take my computer everywhere so I just use that for the wiki.
Although obsidian would also work well with fuzzy finding since it stores markdown files locally. For any rough edges, you could write a Lua plugin for neovim, if you want fully featured vim (I tried out the Obsidian vim mode but it doesn't seem to be feature complete).