Not the person to whom you're responding, but for me, some of the heavy hitters:

- Real-time weather alerts (I spend a lot of time in a naked Jeep in the summer, it's helpful to know when rain is imminent)

- Work-related authentication

- Audiobooks

- High quality, always available camera with quick editing and instant sharing capabilities

- GPS tracking when I'm exploring

- Find restaurants, museums, hotels when I'm traveling

- Pay for nearly anything (credit cards are useful but more time-consuming, and pulling them out frequently is a minor friction point that I'm grateful to leave behind)

Banks. Always banks. It is almost impossible to have a physical access token in my country.