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The level of comfort, or rather lack thereof, you’re fine with dictates how you’ll use your devices. Privacy is mandatory to me, so every app that refuses to work with my setup gets the boot. Banking is done in the browser with a separate PIN device. The moment the device gets discontinued I’ll go back to paper or phone like an old person. FOSS apps are FOSS and will break because they don’t have millions of ad money to fund development. I know that and learned to accept that fixing setups is part of my digital life. That’s just one end of the spectrum though. Everyone needs to find their balance with privacy to avoid getting fed up by it.
Passkeys are a great option for people that don’t wanna deal with managing their passwords and have some else do it for them. That’s not everyone though, some prefer staying in control, so it should always stay optional.