I have had 3 Xiaomi phones over the years. Their proprietary bootloader-unlocker tool has always taken a good day or two of work to get the phone unlocked when I don't have adb tools /drivers installed from the get-go. Their utility gives me failures/errors/denials/"your social credit is too low" (i don't live in/near China) dozens and dozens of times before it finally decides to unlock my phone for me. I'm pretty sure my next phone won't be a Xiaomi, though it's hard to find sanely priced non-Chinese phones with good ROM coverage these days.
Unfortunately Google is making it much harder to run ROMs now due to the new Safety-Net bootloader checks. You'll no longer to be able to use many bank apps (or even the McDonalds app!).