for speech recognition there is “futo voice” which not only works better than Google’s speech talk-to-type by allowing the user to fluently speak, but it also works offline and doesn’t upload voice recordings anywhere. You won’t be able to use it with gboard because google will not allow the use of another talk-to-speech engine with gboard, you’ll have to download another keyboard first.

mobile banking is an unnecessary luxary. Moving money around/paying CC biils often takes days to go through anyway so the urgency of “doing it now” mobily can wait until you’re at your desktop.

Push notifications, I’ll give you. Without any services some apps cannot recieve push notifications. As the other user suggested, using a pixel with grapheneos, you can install sandboxes google services or microG and then have full functionality.

On grapheneOS you can choose which apps have access to internet/data much more fine-grained that what google allows you.