Do bear in mind that not all banks and/or cards are supported. Out of my 6 payment cards, over 3 banks (I know, ridiculous), only 3 are compatible. One bank is not compatible at all, the other one supports the debit card on Garmin Pay but not the credit card.
I knew that before hand. Garmin has a list… Somewhere.
Only thing I could figure out (except maybe looking into Chinese payments systems which… No. Just no) is Garmin Pay.
Once set up, works with the smartwatch and does not use the phone, or the internet, at all.
I know it’s not exactly what you asked, but its what I managed to do. Garmin watches also work pretty great with Gadgetbridge :-)
Yes, it’s relockable. You are welcome to Google for more, I had done some research a while ago.
I plan to brush up and switch my own FP4 to e/os during the holidays.
Edit: Google it on any search engine you like ;-)
As others said, it’s pretty stock android so… Bad. But you can buy it from Murena pre-flashed with e/os and then have a stock phone with a locked bootloader running a decently private OS. The bootloader is unlockable if you so wish.
I personally have an Instinct 2.
It basically has most features of a smartwatch, but it has no color or touchscreen. I get notifications, I can stop my podcasts, check the weather forecasts, track my sleep or heart rate, it even has a moonphase complication.
It’s all handled through the buttons. The UI is brilliant, considering the limitations, the sensors are great, and battery really lasts me longer than two weeks.
It gets all information from the phone (though Gadgetbridge, via BT). I install the official app to manage the Garmin Pay features, and uninistall right after.
The payment function does not even depend on the phone. It just copies some of the card data inside the watch.
Every now and then (at least once a day) I need to enter a 4 digit PIN, which is annoying to do using the buttons.
Great watch.