All the banking apps (and I have a lot of them), Tesla app, and quite some more that either rely on Play Services, push notifications or check if they are really installed from Play Store.
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Yes, banking apps are a pain in the ass. I've switched to using banking apps on a dedicated Android device. That device stays turned off in my safe. Hey, back in the day, I had to wait until Monday to go to the bank to make a transfer. Now I manage to do the transfer in the evening. BTW, Bitcoin fixes this. 😉
There's still the private profile in GOS. I haven't yet found an indispensable app that I can't use without the Google Play Store and that always needs to be "online." But I can imagine running such an app there. - By the way, I was an iPhone user since the iPhone 3 and have been on GOS for a few months now. It’s quite a stretch, but I don’t want to go back to Apple.