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Root your phone and you can manage which APN is used by tethering. If you can’t do this consider trying a connecting to a VPN before enabling tethering, the connection will on some devices remain active on the normal APN because changing would disconnect the VPN and keeping connected is higher priority than updating the APN. Also USB tethering and WIFI tethering may behave differently.
In the end this is a good argument for better regulation. When you buy a car they don’t get to extract more money from you because you drive out of state or use it for business. The fact that telecommunications companies have so much power and access to basically monitor what you are doing and bill accordingly is insane. You should pay for a service with a simple and clear contract and all this crap should be made illegal.
My understanding is you make fewer but more replicable mistakes. If you use a wire you have to trace it, keep the length consistent for timing reasons, use very consistent soldering technique, and ultimately you have a hard time tracing issues. With a homemade PCB you generally do get what you ask for in terms of circuitry. Traces are the right length, right thickness, right spacing, and if not then the whole board is similarly impacted, so it is obviously broken or not broken. If you mess up your design then you have a problem, but if you did the process right and you have a valid design then it works.
That all said, homemade PCB is a large time sink and modern PCB manufacture is so cheap and fast it doesn’t make sense to do at home for the most part. You can literally get a complex board faster by ordering it from halfway around the world and having it posted than making it yourself. I would say it is a good learning exercise, not a good manufacturing or prototyping practice.