Yes the unverified apps thing will affect you no matter what. It’s not getting better any time soon. There are a lot of reasons for that.

You can’t “de-google” if you are 100% married to googles navigation service. It’s gonna become much harder to avoid play services (the google play store and all its telemetry) if you need a banking app and teams even if they seem to work now because the “reasons” above.

Other people have said that “privacy is a spectrum” in response to the following unconventional advice, and that’s true! Your conception of privacy may simply be getting away from the default apps and keeping the play store! Just keep that in mind:

If you’re actually gonna do any of the things we consider phone stuff on your phone, in terms of privacy and security it goes graphene > appropriately configured ios > a big gap > everything else.

Maybe consider switching. There isn’t a big cost difference anymore.

Speaking from experience with both android and ios platfoms including many custom roms and the alternative repos/app stores, it’s much, much easier to stay as private and secure as possible on ios.