One thing to consider: Google Pay, at least now, checks if bootloader is unmodified. This means it wont't work for you on many devices if you prefer installing

One thing to consider: Google Pay, at least now, checks if bootloader is unmodified. This means it wont't work for you on many devices if you prefer installing pure android (like AOSP) instead of vendor provided. Uniting online payments under one google Pay umbrella will make experience for such people (me including) worse. Would be nice if Googlers would consider this.