I hope both those things are made obsolete by stories of smartphones that work well and are vastly more trustworthy than Google and Apple. The longer it takes, the harder it gets. Whatsapp/Signal ports are now hard requirements for much of the population. :S
Depends on your needs. Calls, texts, browsing work pretty reliably. Convergence has been demonstrated, too. Your Android banking app forced on you may work or not depending on luck.