I use GrapheneOS on a Pixel 7 Pro daily and I can use banking, transport, and government apps just fine. There's only been one time I had to look up how to get an app working and that was trivial. I get notifications and can use the Google services I choose with permissions I pick. I can even use all the hardware features such as Google's AI image editing and camera features. Even installing GrapheneOS is done through a browser and takes just a few steps. If you are just slightly technically inclined I see no reason you can't use GrapheneOS, I haven't personally had to compromise in any way while I have gained complete control of my device.

Even if using GrapheneOS came with downsides, the amount of power you gain over your device would have been worth it. If you have a Pixel device you owe it to yourself to spend a few minutes finding out if you want to try GrapheneOS.