I went the pixel and graphene route and I’m pretty happy with it. if Google locking out drivers means there won’t be graphene for the next line of pixels, I’ll probably just see what phones calyx or lineage support and roll with something from there.
I’ve been fortunate to not have any issues with banking services. the only big thing I lack is maps. there’s not a one to one replacement for Google maps, so I just use a dedicated GPS in my vehicle. (before folks start typing at me, yes I’m aware of organic maps and etc but they absolutely lack a lot of data, especially in my semi-rural area)
kagi’s map feature seems to have a bit more detail than the usual osm wrappers but it is a paid service and i still haven’t figured out how to get directions to work (that last part is on me, though).