My expetiences differ.

The default launcher regularly breaks, so I need to clean the cache, or wait until it succeeds. So for what I can, I use droidify or obtainium. Some apps also dont work properly as they are reliant on google services. Netflix comes to mind first.

Bank works, but governmental app (ID & payment) dont work, so I am still rel on work phone for those. Check forums, theres a list for these crucial apps and their status.

Other than that it's been mostly smooth experience.