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It'll be a good phone. Installing Graphene is ridiculously easy and it'll be supported for a long time.
There are some trade-offs with GrapheneOS. You may not be able to use your online banking app (I can though). Tap to pay won't work. Other unexpected things might not work: a local car co-op app won't work for me and they annoyingly don't have an option to book on the web.
There is a list of known working banking apps on gos: https://privsec.dev/posts/android/banking-applications-compatibility-with-grapheneos/
Basically mine all work, but I had to enable compatibility mode or other hoops for them
That's an amazing resource. Thanks!
Tap to pay won't work at all? I've been considering Graphene for when Google locks the OS. I don't mind installing and running Play Store and Google Wallet, but I hadn't considered that I might have to go back to ensuring I had my wallet with me every time I left the house.
By "tap to pay" do you just mean contactless payments? They do work, just not via Google Pay. I'm using something called "Curve Pay" which seems to work perfectly (and it's now owned by Lloyd's Bank in the UK so it's not like its some random company I'm trusting). I believe there are other third party providers, apparently the PayPal app works but only if you're in Germany.
Or just tape your card to the back of your phone for the simplest solution.
Anything that requires "strong" hardware integrity attestation using the Play Integrity API will fail because Google won't add GrapheneOS and GrapheneOS won't spoof it.
So Google wallet /Google pay won't work. There may be other tap-to-pay apps that I'm not aware of that either use Android's Integrity API or only require the weaker attestation that's supported by GrapheneOS.
Same reason for all the other stuff I mentioned in my previous comment.