I don't know how to answer to this, other than you seemingly don't know Android so much.
Everything you describe here is normal on all Android (e.g. differences of UI or differences of default apps). F-Droid has nothing to do with GrapheneOS.
> Exploit protection compat mode for banking apps.
This is the only caveat: some (not all) banking apps are annoying.
Everything you describe here is normal on all Android (e.g. differences of UI or differences of default apps). F-Droid has nothing to do with GrapheneOS.
> Exploit protection compat mode for banking apps.
This is the only caveat: some (not all) banking apps are annoying.