I'd also recommend to slowly migrate to GrapheneOS, getting to know where the boundaries are for specific apps. Once you've got your 'dailies' all up and running predictably, then you're good to go, but it could take a few days depending on how much spare time you have to find said boundaries. Having said that, I turn on most of the higher level security protections, which quite a few apps need exceptions from.

But, yes, you can't tap to pay and it's unlikely you ever will. Banking apps will be hit and miss depending on their (generally hypocritical) paranoia levels.

I pay with a tap-to-pay card, and I have never needed to do banking related things immediately, I've always done it via the bank's website.

I also still have a not-very-old 'normal' android phone for some edge cases - which are few and far between (actually, I think it's usually to cast youtube to the TV since I only have the revanced youtube app on the GrapheneOS device).

P.S. On the use of profiles, I use them to separate work apps and notifications from personal, from sporting club, from X, Y, and Z. Yes, they're a pain in the arse to switch between, but I'd argue it's more of a pain in the arse to have them all jumbled together causing even more notifications, frustrations, and distractions from whatever one should actually be concentrating on in the present moment.