Its entirely up to how you want to manage apps.
I like using the main profile to install apps, then shift the apps into each user based on their requirement (car for example has Android Auto, GPlay etc).
My usual profiles are as follows:
- Installer (Owner profile).
- Daily (Mostly FOSS apps, has WhatsApp via Obtanium also).
- Banking, this just has banking, everything else I can disable is disabled after setup.
- Car - this has Android Auto, Google Play, my music app, comaps, none required apps are disabled.
I lock each profiles ability to install apps afterwards, giving it sort of a software install restriction / removing admin rights type feel.
As for "must have for this type of profile to work", setup the profile you want, say work, then go back to owner, on the profiles screen just get it to install Google play on that profile, then if you want, login with your primary account or a throw away google account on the work profile, and install what you need, keep play store and services active for updates.
That should be it, obviously if the app has specific requirements you would need to ask the community, but 95% of apps, you'll likely be fine :)