Depends on what Tmobile plan you have. My wife and I switched to Tmobile for the international roaming. We have the Magenta 55+ plan which gives us 5 gb. of highspeed data in: Austria, Croatia, Czech Republic, Germany, Greece, Hungary, Macedonia, Montenegro, Poland, Romania and Slovakia. In the other 204 countries we have unlimited calls and text, but only 128 kbps speeds. For my wife, we spent the $50 for 30 days of high speed data for our trip last week to Ireland. Worked great for her. I actually used the included 128 kbps speeds okay, as I did most of my web surfing on wifi in hotels and in all the busses we took. Big factor for me was I used Organic Maps (Android) for my map program. Worked great, needs no internet once you download that country's map data one time. So no "Google Maps" for me. I found that at the lower speed data, I could still text photos like normal, do email, and see my home surveillance video feeds..
Someone correct me if I'm wrong here, but I think if I select "Wifi Calling", and select "Prefer Cell Data", and then make phone calls, I'd use up a lot of cellphone plan data.
We took the Rick Steves 7 day Best of Ireland tour last week (it was great), and wherever we went, we had good cellphone signals. Maybe a very weak signal would give even slower speeds than 128 kbps.
Edit: I should have mentioned, my normal phone (Galaxy S10) and my backup phone (S9 International model) both do not have 5G capability. So maybe Frank II's problem was a very weak 5G signal that his phone insisted on using, rather than a strong 4G/LTE signal from another carrier. I wish I knew how phones choose which towers to roam to. I suspect they would much prefer to use their own towers, rather than the strongest signal.