All I had to do was enter the CVV security codes (and in the case of the Apple card, not even that).
Data transfer took 20 minutes for me. Seems to see my Airtags ok.
Love the Space Black color and the black antenna bands.
Damn that camera bump is huge.
I have a 14 Pro on order (Planning to update my now 5-year-old X) but not sure if I might want to hold out to the 15 Pro as well. My wife is waiting for that one and if it's USB-C it would be nice to only need one charging cable in the car.