Currently the Beta software is working fine on my S23 Ultra and Z Fold 5
BUT
There are still a couple of small bugs that I guess mainly app developers have not updated for the software yet
The nature of Beta software is that it's for testing and can get issues at any time.
If it's your only main phone, at this point I would wait for the full release.
If you do download, then it's a risk.
I'm not sure if Google Pay works on it yet, or banking apps. I have HSBC and this works OK for me
I have. Multiple phones, so software issues wouldn't worry me