iPhone 13 + Samsung Galaxy Buds+ here, I just paired them as usual and they worked fine, no need to install the app.
I agree about the Face-ID and masks, that is a pain. Apple's answer of "buy a Watch" isn't really helpful, putting a fingerprint reader into the power switch (like the iPads) would have been a much better solution for pandemic times.
Other than that, I'm happy with my iPhone. I only go food shopping once a week and I use a card for that anyway - joint account and I only have my personal account in ApplePay - so that isn't too much of a hassle. After years of using a Huawei and Samsung Android phones, I found the migration relatively painless. I used the Apple app to migrate - it moved my photos across (offered to move SMS across, but that was just one-time codes for various services, so I didn't bother). It also installed the free apps that were available on both platforms.
Using a password manager meant that setting up the applications on the iPhone was a breeze. I had everything set up and running in a couple of hours and had reset the S20+ and given it to my daughter within 2 days. The only thing that took time was re-scanning the QR-Codes for my 2FA tokens.