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Default camera app is decent and has imo all the basic necessities. You could obviously install the Google camera app and use that if you're after the software features like AI enhancement etc.

Got 3 banking apps (Europe) and they work without a hitch or complaint since installing over 3 years ago. I still use physical cards though so tap-to-pay is a no but I was never interested in that.

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You can install google's camera app if you want, and it works exactly the same.

I also use a garmin and haven't bothered with banking apps (all banks have a website and I avoid closed source software when I can), but it looks like quite a few are supported: https://privsec.dev/posts/android/banking-applications-compa...

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I have a garmin but my banks don't suppose it for tap.

There are a few settings you have to adjust for the camera to be any good. I thought it was trash until this weekend when I found the settings. The default has quality at 95% and has "highest photo resolution" toggled off. The stock camera app doesn't seem to let you set the resolution specifically.

I use Varo and Sofi. Both apps work on my phone. The only app I have had a specific problem with was the MyQ app, but there is a workaround for that one.

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I added a ratgdo to my garage door opener and use that with Home Assistant (and wireguard to my phone) instead of MyQ, so that wouldn't be a problem.

It's probably worth doing, but I have about three and a half years of data / setup on my phone and I'd have to wipe that all out. I wouldn't permanently lose data, but I did spend a good amount of time setting up my home screen, etc. It's a big leap! :-)

Is your battery life better?

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I haven't noticed the battery life being bad or good. So I guess it is fine. My other phone is an iphone 17 pro max. I feel like the battery degrades at about the same rate on both phones, but I use the pixel more.
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