Your not alone in not being happy that the ability to hide the camera cut out has been removed.
There are options in the Goodlock app and it's modules to help with that.
https://eu.community.samsung.com/t5/galaxy-note10-series/how-can-we-get-rid-of-the-quot-hole-punch-q... Credits to @JAMES4578
In regards to the keyboard my Samsung keyboard is fine but have you considered using another keyboard option ?
Daily Driver > Samsung Galaxy s²³ Ultra 512Gb in Phantom Black.
The advice I offer is my own and does not represent Samsung’s position.
I'm here to help. " This is the way. "