Most notably the lack of SIM toolkit. Which is required for 2FA during credit card payments in Norway.
Basically if my phone doesn't have SIM toolkit, I can't pay for anything online, (without carrying around a dedicated keypad for it) which is a pretty major bummer.
Termux just isn't the same, and so many apps halfway break without google play services.
Currently I'm on an Xperia 10 II with SailfishOS that I carry alongside my Pinephone