Thanks for writing all this, this really shows how the failures you encountered don't overlap with my use of the phone.

I don't use RCS and Android Auto.

I have HeliBoard to replace Stock/Google Keyboard. It is way ahead the stock keyboard experience but far behind Google Keyboard's, especially when writing in two languages.

Tap-to-pay works with my bank apps. But that means I can only use one card unlike with GPay.

I rarely use second account as the latency to switch from one account to the other is a pain. I only have a secondary sending notifications to the first one.

I don't let the phone auto-reboot for installs, I let it install automatically and click reboot when I want it to install.

I am on a physical SIM / different carrier and never encountered network issues so I can't comment on that one.