That is definitely choice. In my mind SailfishOS is open enough as most of it is open. But of course it is good to have options. For me carrying two phones would be no-go, which leads me to be mostly interested as polished options that can meet my app needs --> don’t know other Linux option (currently) in this case than SFOS

Have you checked SailfishOS? Of course it might have bug once a while but generally they seem to be extremely reliable as phone

Sailfishos has this their own Android App Support. That integrates Android apps to native UI quite beautifully what I have seen

I would recommend to check SailfishOS. Quite a few officials supported devices and even more community ports

Are you using PMOS? Have you checked SailfishOS? It sounds like it would be quite a lot more polished and more usable

Check SailfishOS, there you can run even quite many banking apps: https://forum.sailfishos.org/t/banking-apps-on-sailfish-os/18438/183

I would say that completely FOSS Linux OS won’t ever be as smooth experience as business solution. Jolla has developed SailfishOS which is mostly open decade now and it is quite stable. Also has android emulator where you can use most android apps, but not all. In my opinion we should support that as much as possible to have true alternative. Also EU should start supporting ita development