Uhm, that's a question about personal background - I guess. The only thing I miss is #osmand, but I know I could invest time and replace most of the functionality I use by #brouter and #brouterweb and #PureMaps.
But
- I reject banking apps of any kind and prefer the safety of ChipTan or HBCI (offered by @glsbank@ruhr.social and by #sparkasse)
- I don't care about any closed source service
- I'm able to run matrix bridges to relay to any network I'd need for work or family life
- I do not use my phones smart capabilities much (beside running #fractal for my matrix account to communicate with my family)
Yes, sometimes I'm catching myself looking at some page using firefox, scrolling through some fediverse posts using #tuba.
If I really need to use the #Librem5 I usually knew in advance and carry a lapdock to use its convergence feature and then it is mostly like a notebook.
I do not miss anything even though there is potential for nice improvements.