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Yeah, only thing I can think of is the few banking apps that don’t have web versions.
I was lucky enough to have all my banking and 2FA apps work perfectly on GrapheneOS. The only app that gave me a significant amount of trouble was iClicker, which my school uses for attendance. That was fixed by enabling Google Play location services, and there was a (fairly expensive) alternative anyway.
I did have to buy a new phone to use Graphene, because I got my previous one as part of a carrier’s cell plan, and it had a locked BIOS. Though I think the purchase was worth it, and just moving my SIM card from one device to another was enough to get it working.
I’d say they all offer different types of customization. It’s less a matter of how much you can do, and more a matter of what you want to do and how much time you’re willing to spend working on it. KDE is for people who want to customize their desktop, and want it to be easy to do so. GNOME is for people who just want something that works, but it still offers a lot of customization, it’s just not as well-supported (their philosophy is “if theming breaks an app, it’s not our fault”).
KDE doesn’t support full CSS customization on its own, but there are theming engines like Kvantum and QtCurve that address the limitations that arise from this. I’d say it’s on almost equal footing with GNOME in that regard, since both GTK4+libadwaita and Qt6+KF6 are designed for color scheme customization, but require various workarounds and obscure settings for anything more than that. If anything the workarounds are easier in KDE.
Similarly, KDE supports layout customization through widgets and graphical menus. GNOME also supports layout customization, but through extensions instead.
And then you can do all of the above and more if you use a window manager, or an LXDE/LXQt-style desktop that lets you disable or replace all its components in settings - just mix and match components like panels, file managers, display managers, polkit agents, etc. You can basically build your own DE that way, and it doesn’t get much more customizable than that. But maybe you don’t want to spend your time choosing every component of your custom DE. That’s what something like KDE is for.