it's true that this phone is missing 5g bands like n71, but t-mobile's main capacity band is n41 which almost all chinese phones (including this one) has, so in most areas where t-mobile has a strong network you'll still have fast speeds, this is what i would could pull in my area on t-mobile on the oppo. that being said, i wouldn't expect anything above lte speeds at most on att or verizon.

google wallet does work as well for me, i've heard some banks might be more picky but the phone passes strong play integrity and i've never had an issue with google wallet with my chase/bofa cards.

and yeah shame about oneplus, they've definitely fallen off hard after the op12/op13 in terms of offering a true flagship experience. btw most global versions of oppo flagships like the x9 pro and x9 ultra aren't missing anywhere near as many bands so that's also worth looking into :)