I already have USB Altitude that I use everywhere where apple pay is accepted as well as for travel - airfare/car rentals or hotel, so this side is covered.

In terms of recurring monthly expenses supermarket purchases amount to about $300/mo and the supermarket only takes physical debit cards or cash. No apps, no Apple/Samsung pay.

Also, about $600/mo is spent on insurance with USAA which only takes payment online, does not have an app so no apple pay.