OK, some background. I would like plug in my iPhone to to my computer to charge and download photos. I would like to have that option. I try not to. WHY? Because then it turns on the AUDIO option for calling out or receiving calls. I generally use SPEAKER. The only way to get the SPEAKER only option to display is to reset the phone after every time I plug it in.
I've turned off WiFi Calling. I've turned off Calls on other devices. It doesn't help at all. AUDIO still gets turned on giving me the option to call over my HomePod. DUMB.
So, here's a simple hint.
If (WiFi Calling = "Off" ; SPEAKER ; if (Calls on other devices = "Off" ; SPEAKER ; Turn on AUDIO options.))
or
If (WiFi Calling = "Off" then SPEAKER Else if (Calls on other devices = "Off" ; SPEAKER Else Turn on AUDIO options.))
It's isn't rocket science.
The way you have set up right now, it's very annoying.