I have it on my phone. Works well with occasional hiccups I don't have banking or payment stuff on this phone, as there's no telling if it works or if an update stops it working To be honest, if that is your only phone and you have important things on it I would advise not to download it It's experimental software, so you'd have to prepare for issues
As far as I am aware: Google pay is temperamental, some are reporting it works, the majority are saying it doesn't. It clearly states that it won't work in the notes before installing... Metro bank app is the only bank I have seen that has issues all others seem to be working fine.
Personally for me the only bugs I have found is the occasional freeze on FB messenger and CoC won't close first time when trying but other than that:
Improved battery life is a bonus All my apps including Nova work so my phone works and looks the same prior to the update bar those 2 minor issues I've experienced.
Google maydont work at all on mine, says to keep my phone still ( even though it hasn't moved) All worked fine with my s21ultra and samsung pay but it's a big no go on my 23 with samsung wallet