I think in day-to-day use they’re pretty equivalent. I agree with most of what you say, except I don’t consider being able to choose between third-party apps and services (Google Calendar and Gmail, Amazon Photos or Google Photos) and Apple’s own that are more exclusive to Apple hardware to be a con; if anything, it’s a pro. But in everyday use, I don’t care much about the difference. Mostly, I bought an iPhone when I finally wanted a flagship to last many years (and Android phones at the time were still not great at long-term support), and I like the experience of using it and don’t see a reason to change.

Some recent Android phones have much faster charging, like well over 100 W (as opposed to, what, 17 W on iPhones?), full charge 0-100% in 15 minutes or less. Does anyone really need that? Probably not, but it’s there.

I’d get the SE, unless you know the lack of always-on display is a deal-breaker. For people who have always worn classic watches, being able to always see the time is a basic feature. If you don’t normally wear watches and are fine with having to do a gesture or tap to see the time, get the SE, otherwise get an older series something (7? 8?).

I’m sorry, what? The Watch Ultra 2 is as expensive as an iPhone 15: £799. You can get financing plans for both, but I don’t see why you would. The Series 9 starts at half the price, but with no cellular and no sapphire.