I have no idea about the UI that some people complain about, but my wife seems to have managed to get access quite a bit of functionality in her Fitbit, so I'd say it's good enough for its purpose.
I guess apple pay on a watch is marginally more convenient than taking out your phone, but $400 and having to charge it seems not really worth it?
That is why I was asking. The only "benefit/luxury" you mention is apple pay and you say that you are not using it much.
A fact that blew my son's mind when I explained why he didn't have to charge his watch.
It's enough to go from ~60% to ~80% and fits in as a daily habit, so my watch is almost always between 65% and 80%, It can track my sleep (I exclusively use my watch for tracking sleep, tracking exercise, tracking heartrate and telling the time. I don't have notifications enabled)
Then perhaps the best feature of charging the watch in this way, is that if you forget to charge (or unexpectedly away from home), the watch will always last for 3 extra days.
And if you are going away on short weekend trips, you don't need to pack your charger, just make sure it's at 100% before you leave for a reliable 4 days of usage.
I went on a 2 week trip to Europe and didnt even bring my charger -- lasted the whole time. I've had it for a year now and it's rock solid. It's been in the ocean with me, and been smashed into rocks on backpacking trips. Still in great shape.
I don't endorse many things very heavily but this thing is amazing. It's not sexy with it's black and white screen and small selection of watch faces... But it's so nice never needing to charge it, it's basically indestructible, and does everything you'd want a smart watch to do
It also looks like an actual adults watch too.
Charge at night is a habit that can easily be adjusted to our daily schedule. btw Apple watch does last a full day (I meant 16+ hrs) with decent use, unless you are playing music out of it all the time or obsessively checking time/calendar.
Only advantage of fitbit is that some models are easier to wear to sleep, particularly if you don't need to charge at night. However, even here, apple one is way ahead - the theater mode will make sure the super bright led at the bottom won't wake you up.