T-mobile Magenta Max with a lot of strategic data management. I will augment this with cheaper local sims when I will be in an area for a month or two.
I haven't broken their data rule in a long time so I am not sure how T-mobile handles violators these days. In the last year I seem to stop back in the US just as T-mobile sends my first warning. I make sure to download tons of movies and music to my phone when I land to offset their 50% data rule for the next 3 months.
I am not exactly happy with this setup but haven't found a good time to test an alternative.
Outside the US I don't see this as an insult. For Caucasians they want to know which European country my family was from. Even down to the Italians they want to know if I am northern or southern. poc's definitely get it more based on what I hear from other mixed Americans.
Honestly once you are in a foreign country people asking your race, ethnicity, country of origin is kind of a guarantee. I would move on with your day or just say it outright and be done.