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My bank works fine after relocking (in NL, Europe). And last time I checked all Dutch banks work. My VISA credit card app (from ICS) also works. Same for the government identification app, the government message app, our insurance app. In fact, I haven't encountered anything outside of Google Pay that didn't work.

(I don't deny that there are apps that won't work. Best to check before switching full-time.)

That's a prediction I would disagree with. Firstly, there are application developers which specifically add support for GrapheneOS if they are asked nicely. Secondly, there is a chance that Play Integrity will have to change due to anti-trust regulation.

You pass basic, but not device or strong integrity. This is purely googles fault and is an artificial limitation that requires regulatory restrictions.