This post is intended to inform people thinking of buying this watch. It outlines what I think are problems and will be updated as I experience new issues or if issues are addressed by Garmin.
Issue 1. Garmin Pay will require a pin every time you use it. Garmin may say otherwise but my experience is that in order to pay for something you will need to first select the wallet app and then go through a difficult and slow process to enter your pin on the watch (all up takes around 30 secs). Have tried all of the posted work-arounds, none work, effectively Garmin Pay is not a usable payment solution.
Issue 2. Unless you have a Spotify premium account you can pretty much forget about connecting to the major streaming services. Google Play and Apple etc are not supported. If you read otherwise, its wrong.
Issue 3. Copying music by USB does not group by album. I get around this by using genre etc instead. I have tried both Windows Media Player and MediaMonkey to re-tag the songs, neither resolved the issue. Transferring via Garmin Connect produces the same result.
Issue 4. Hotkeys are disabled. No reason I can tell than Garmin wants to make their higher end watches more attractive.
Issue 5. In Australia, far less banks support Garmin Pay than Google Pay etc. Make sure you check with your bank first.
Issue 6. The watch consistently gets stuck between some screens. This is affecting my Strava stats, for example it takes over 10 minutes to save a workout and adds that 10 minutes to the overall run time (makes me look even slower than normal...). Note that no 3rd party apps etc have been installed. Update 18/6 - Garmin Support have advised that this is a known issue and that I have been added to an "open investigation". They cannot advise if/when it will be resolved.
There are many other niggly/buggy issues as well, convinced now this watch is not a keeper. Def not as solid as a 235 or 935.
Looking through the responses I can see this post has attracted at least one professional deflector from Garmin, just makes things even sadder..