Funny enough, the only part of Apple Pay I use with any frequency is the browser/app integration part, basically as a much more convenient alternative to PayPal sometimes.

IRL I do use it on occasion but everything I use it for, I could just fall back to the contactless chips in my physical plastic CCs - just like I did for all those years on a deGoogled Android phone with no Google Wallet support. The unique value add of Apple Pay in the physical world is nearly zero to me, other than acting as a market force that made US point of sale systems finally catch up to Canada years late and offer tap to pay.