I am multiple months in so far and I have no real regrets. If you're someone who uses your phone for payments and you're in the US, proprietary apps are really your only option, though I can't speak to their functionality since I don't have Play apps installed in my main profile. That being said, many banking apps do work just fine, there are compatibility options for those that don't, and worst case scenario, you're stuck using a browser app.

The transit apps are a minor inconvenience for me. I only use them for travel when I have no other good options. My only real issue with them is I don't trust Google even with the sandbox. The apps require location to be on. I don't want Google to know my location, and even with the sandbox, I just can't have a full assurance that the info isn't somehow getting back to them through something the app itself is doing, even when the Play apps aren't allowed location access themselves. Disabling the network for the transit apps isn't possible, since how would it book the ride with the service, y'know? So I'm stuck with giving them limited access, which is the best I can do. Having a separate phone just gives me one more layer of abstraction and is a personal paranoia thing. The separate profile is fine. I just prefer that extra layer.