I only answer the phone from unknown numbers if the number has a local area code. 90% of the time for me it’s either work related, so some local business stuff. The majority of spam callers are from outside areas.
All of the unknown calls that have my local area code have been legit. All of my spam callers are from random ass towns I’ve never heard before or since.I find that those from my "local" area code are the spam callers, I think they're called Spoofers where they use software to call out and their number is cloaked by a local number. I remember calling a number back and the person on the other end was completely clueless and I used to believe they were just messing with me but it happened multiple times and when I looked it up that's the term I came across.
If I ever needed to know a phone number though I have them written down and saved on my cell phone. That way I know who they are before messaging, and I can start the conversation to make sure.