I got a 945 about a year ago.
I’m not a fitness person if I’m being honest. The reason I got it was that it had everything I wanted in a smartwatch. Pretty much all the criteria came from owning a pebble time for four years.
Buttons, touchscreen on a sports watch is dumb I think. 1 week+ battery life and easy to read in direct sunlight.
The Garmin pay is decent but not many banks are supported here in Ireland. I have it tied to a Revolut card at the moment.
My goal in getting chips kinda works with the watch as well. My scenario has always been, If I was outside and had nothing but my underwear, what could I do. I currently have the NExT, that takes care of access so I don’t carry keys anymore. The watch has Garmin Pay, so I don’t carry my wallet with me day to day, I am hoping future chips will resolve that.
I also use my watch as a 2FA device with my important codes on it. Here it is on the connect site, just be careful as an update will overwrite your keys in some scenarios.
The Apex chips with Keepass gets me all hot and bothered too