What I can tell u (as a normie) is that a few weeks ago I bought a refurbished google pixel 7, installed Calyx OS (via the web browser installer) with MicroG and I've been using f-droid and Aurora Store (without a google account) since then and I haven't had any issues with any app, for example, the banking ones

Calyx OS and banking apps work. They made it easy to install through a web browser installer