I have no business-based "apps". If it's not on F-Droid, I don't have it. Google Play Store is turned off.
So far, the only thing I've found that absolutely requires a Google account is Waymo. This is probably a violation of common carrier rules, since Waymo is legally a common carrier. That forces Google's terms of service, including the binding arbitration and no class action terms, on Waymo riders.
That's how I roll, but I also have a couple of sandboxed apps like MS Auth that I sideloaded. I learned last year that, not shockingly, major sports venues now require showing digital tickets for entry, but thus far it's been possible to access them with a browser.