Am I overpaying?

Seven months ago I got a iPhone 15 and one of the staff in the store convinced me to get the “Apple Watch on us” thing. And I’m paying around $190 for 1 (one) phone and 1 (one) phone line and 1 (one) Apple Watch line!? That seems like a lot now that I know how much other people’s plans are. I didn’t have any expectations since this is my first time paying for my own phone bill. It’s 5g go plus and digits for the watch I don’t use lol (it says I’m paying 5.37 for that shouldn’t it be free?) How can I bring $190 down to a number that doesn’t make me wince when I look at it?