It seems that my network is configured properly. As I leaved the preferred 4G so mobile data is fast but the call is properly switched to 2.5G (no 3G for months).
SMS works great as always. There is one nasty bug about that when ofono service can’t run if there is an unsent message in the queue but there is a workaround.
Andy apps: after all those SFOS years I finally installed the first one which works surprisingly well. Apart from the fact that only on WiFi for now. I doubt that I’ll soon install any banking app as I have no need and I don’t like to use them. I have tablet for that purpose anyway.