Regarding your questions: 1. No, you aren't stuck with the default keyboard. Install something like SwiftKey and you can get the numbers on the top row. 2. At least on my 12 Pro, I can go into the Safari settings and put the Url bar and back button on the bottom. That's how I have it set up. 3. Apple pay is hit or miss but usually I've found its an issue with the terminal and not the phone. Since my debit card taps to pay anyway, I've found little use for Apple Pay. I could do it with my Apple Watch, but I'm too lazy to try and figure that out.