I wanted to follow-up on my question above. I have achieved a fantastic result, and wanted to share my experience. As noted above, I have an unlocked iPhone 12 Mini (A2176). In the United States, my Cellular plan is a post paid account with T-Mobile via a hard SIM. I am visiting Hungary for the summer of 2021, and wanted to operate on Dual SIMs - A) T-Mobile and B) Hungarian Telekom.
I visited a Telekom Shop, and was told that they could not provide me an eSIM. So, I purchased a Hard SIM - and switched between the two. This was an extremely cumbersome process. Switching back & forth - also played havoc with my contacts in iMessage & FaceTime.
So, after some research, I decided to change my T-Mobile SIM to an eSIM. This was a simple process that I was able to perform on my own via T-Mobile's Website while in Hungary.
I am now running Dual SIMs with T-Mobile (eSIM) and Hungarian Telekom (Hard SIM). Everything is running smoothly.. and it's just another reason that I love my iPhone 12!