It took me a couple of months, but I finally re-installed GOS yesterday. Everything seemed to go ok! I have not installed google wallet, and will go back to credit cards for now. My banking apps worked.
I have not used multiple profiles, everything in the stock profile and I have downloaded play store and then apps from there. As said above, my aim is "allow less surveillance". I believe I am better served towards that aim than on stock android, and I accept the privacy trade off for the convenience. I need to get use to it now, and then decide if I can tweak, or indeed, use multiple profiles etc. Any general tips?