I rooted my phone years ago and it was a chore. Once it finally worked, hardly any of my apps would run and nothing important worked because suddenly a rooted phone isn't "safe". It was such a pain in the ass to do updates and fight programs to run that I stopped. I didn't want to spend hours fixing a device that I really didn't want to think about.
I would love to install GrapheneOS and have it mostly just work. I hate having my phone locked down like it's not mine, and it's one of the reasons I won't use it for anything important over my desktop.
Most of my apps seems to work, surprisingly I don't have an issue with my banking apps. However, I have run into issues with uhaul and ticketmaster apps.
Well, right, it doesn't have to be a specific OS. I haven't done much research because I'm my current situation, it's not a good option for me as (for instance) some of my required 2FA apps won't validate on a rooted phone.