Which iPhone do you have? Sounds like an older model? While it's always possible that something went wrong with your phone, it's probably pretty unlikely. Did you upgrade iOS versions lately? Did the modem firmware change?
More likely, is that AT&T has been refarming and moving spectrum around and the bands you used to use are either no longer there (have been switched to 5G, etc.). Or servicing towers to install 5G. If you have an older model 7,8,X it doesn't get all of the bands AT&T is using now in every location. And if it has an Intel modem (some 8's, X's and all XS and 11) you could be double penalized.
Best of luck with your credit card warranty, I have those too, but have never tried to use. I generally just buy AppleCare. It's expensive, but Apple has always done right by me. You can pay them to replace your battery and maybe you'll get luck, 2 out of 5 times (in my experience) they end up breaking the phone and just replace it with a "new" refurbished one.
Despite having the Intel modem, the 11's (11, 11Pro, 11ProMax) seem to be working very well for most people. My wife and son have one. The new 12 (in the Fall) will finally have a Qualcomm modem again, but the jury is still out Apple may screw up the antenna array.
The new iPhone 9 comes out next month (assuming the Corona virus doesn't delay it too much). I expect this will have same Intel modem as the 11 series, though I could be wrong.
Not sure (unlikely) that you can create an Apple iOS shortcut to toggle LTE based on Geolocation. But if you can, that would be really cool.