Overall, everything works pretty well for me (user for multiple years), except all apps which are too bound too Google Play Services as microG is not stubbing/implementing all APIs.

So all apps with premium subscription you can only handle through in-app purchase, usually won't work.

I've heard that some banking apps are not working correctly either as not "secured" enough device, in my personal experience, they all worked, it's really a case-by-case logics here.

For the upgrade, OTA upgrade around every month, and it has always worked smoothly