I agree on the locked down part. Ever since I bought my first smartphone (HTC Desire) I've been flashing custom ROMs pretty much the day I bought it. In the beginning it was a hastle, then it became much easier. In 2021 and 2023 I bought a Xiaomi and it required registering before bootloader unlock was allowed. I didn't like I had to register, but did it anyway.
The real problem for me were the hard to come by blobs that needed flashing after certain updates. And the fact no official supported LineageOS build as available. That last one is mostly on my part for not checking before buying. But still, in the past pretty much any popular phone had one or more official builds supported on XDA. Nowadays you need to venture into Telegram groups scrolling over endless linear conversations of people asking the same issue over and over again. Maybe I'm just getting old, but what was wrong with using a (well structured) forum?
For me, I'm not that concerned with having contactless payments work. Although I did switch banks just to not have the Google Services/wallet requirement. That was short lived though, pretty much every contactless payment now only works with Google Wallet (ridiculous), I just gave up on it and pay by card instead.
I just want to get away from the fact Google Services is integrated into everything you do on your phone. The fact Google Wallet has access to not only the payments you make using NFC, but also the last x transactions on you bank account 'for fraud detection purposes' is quite insane if you ask me.
That's why I just run plain without Google Services (not even the sandboxed one by GrapheneOS) and accept the fact certain conveniences just isn't available for me.
I don't even miss rooting, which I mostly did in the past to have (non VPN based) add blocking on OS level. I just replaced most apps by their browser-based alterantives and use an add blocker there.