Yes, I use it as my main phone. I like it, it reminds me a lot of the early Android days when I felt like I had complete control of the device, and I can customize it how I want to. If you want to tinker with it, I recommend a Oneplus 6/6T. They are sub $100 and its very well supported (that's what I am now using as my daily phone, with Mobian installed). I used to use a Librem 5, but it's battery life isn't great. The Oneplus 6 has no problem with a whole day's battery life with medium usage.

> How well do android apps work? what about banking apps?

I don't know, I tend not to use Android apps. Waydroid exists if you want to use them, and I have done that in the past.

> any issues that would make u NOT recommend it to other people?

Many of the devices have their own paper cuts to get it to work, and each model has their own quirks. For the Oneplus 6, calls have an audio problem with VoLTE that isn't fixed.

> Are there many apps that are made for linux phones (or have a UI that works good with phones) so that you are not missing anything?

For my use cases, it works. That includes SMS/MMS, voicemails, calls (sometimes, but I don't get many calls), email, car/bicycle/walking navigation, Signal, internet (Firefox), Matrix. Others have different use cases, so YMMV.