I'd go with what
@Hadron suggested. She can pay
a lot for something like a Panasonic N1 (very rugged build with only marginally acceptable hardware specs):
https://na.panasonic.com/us/computers-tablets-handhelds/handhelds/handhelds
or she can just get a good smartphone and really good case. Some rubberized cases are very effective, but they tend to add some bulk.
And I'm not a big proponent of smartphone extended warranties but in some situations they can be worth the added cost.
https://www.consumerreports.org/insurance/is-smartphone-insurance-worth-buying/
Given that listing of her wants and needs in her replacement phone, it's going to be a matter of paying more or making at least some compromises. Also, there's a lot of missing context -- What phone did she have previously? What kind of budgetary restrictions are there? That list itself is very subjective and generic. i.e. 'Space for photos' could be interpreted in many ways as we all have very widely sized photo libraries on our phones.
Anyway, there's no shortage of smartphone recommendation sites floating around online. Here's just a couple:
Wirecutter's 'Best' recommendations are just suggestions, the best part of the article is all the metrics they use to come up with their choices. Read through those sections, compare it to her phone needs, and make a better informed decision on what to buy.
https://www.nytimes.com/wirecutter/reviews/best-android-phone/
GSMarena has a handy phone finder service where you enter your preferences and it will show a listing of the phone models in its database. Keep in mind depending on which country you live in they don't have a comprehensive catalog of every phone model available. But it's a good source for researching what's out there:
https://www.gsmarena.com/search.php3?
And don't forget, compatibility with her chosen carrier is a priority.