I probably need to spend a bit of time determining what apps in my must-haves have workable options on PinePhone yet. The last Ubuntu Touch build I played with was very sluggish, but I've heard really good things about more recent ones. OTA is a big deal, since re-flashing my phone to get software updates is not a workable solution for me.

Probably the toughest thing to lose will be my bank's app... I was used to not having it when I was on Windows Mobile, but mobile check desposit has been really nice to have since I've been on my little iPhone lifeboat.