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Really depends on the product. They had several iterations of photos before they landed on Google photos which is excellent and industry leading but took a while.

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I don't know how excellent Google Photos is.

https://productforums.google.com/d/msg/photos/9so7okdj1ZA/2k...

When it comes to organization beyond shoving photos at it and hoping for the AI's best, Photos is deeply disappointing. Competitors like Fotki has nested albums 10 years ago. Photos doesn't show your device folders on the web, and can't move files locally without crashing or duplicating them.

Any activity involving my finances will require current security patches.

Because these are unavailable for >95% of Android phones, I have not and will not use these services.

I'm (currently) on LineageOS with the December security update - Android Pay doesn't work there, not that I ever wanted it anyway.

Android Pay is worthwhile even if you never use it for payment purposes. It also holds discount/membership cards. For example, my IKEA, Jet Blue, CVS, and Walgreens cards are in there. I don't know if you use those types of things, but they don't seem to warrant the type of security a credit card would.

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