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Have yet to explore the full abilities of the watch. However,have taken it out for a run, and enjoy the functions that I do know how to access. Garmin Connect app piles on the data analysis of the run, and even your daily movements and activities.
Fit-wise, I wear this as a sleep tracker as well and haven't experienced any discomfort, even though it is substantially bigger than my previous wearable device, the MiBand 4.
Have yet to try the payment function, but setting it up was a breeze.
Took the savings from omitting the music, as I already run with my phone.
Great so far, I like the convenience of being able to track heart rate without the chest strap. Battery life is about a week usage, with 3 runs clocked - 2 x 5km and 1 x 12km. Phone notifications is turned on during the day.