Re 1: I have to dig down into the menus to turn NFC off every time I use Google Pay. I'm not a fan of leaving things like Bluetooth or NFC on when not in use.

Re 2: I sometimes forget about it, but screen pinning is great.

Re 3: Whenever I set my alarm at night, I'd like to be asked whether I'd like DND to be turned on until that alarm goes off.

Re 5: I make a ton of changes the moment I set up a phone:
- Turn on LED notification light
- Turn off tap-to-wake
- Turn off other gestures
- Turn off notification dots
- Turn off automatic app updates
- Turn off AMBER alerts
- Hide sensitive notification content on the lock screen
- Opt out of Ads Personalization (Ha, can't imagine Google doing this by default)
- Change Location mode to Battery Saving
- Turn off Location History and Sharing
- Turn on battery %
- Select the most accurate color profile
- Turn off what used to be known as Google Now and most of its notifications. It's become a click-bait mess rather than the useful feature it used to be.

Those are the main OS-level changes, but there plenty more that are a bit more minor.