So I already responded, but I’m seeing here that you are also a cyclist! I have tried a number of watches over the years and Garmin is absolutely the gold standard for fitness focused smartwatches. Some of them, like mine, only have buttons, no touchscreen, which sounds bad, but is actually amazing. Sure I can only choose from prewritten SMS responses, but I can get there with a few button clicks while riding (even on gravel). With my touchscreen watches, I used to have to stop to reply. The TFT screens also look better in direct sunlight than an LCD or OLED. So now, whenever my wife texts “where are you?” I can send a “out riding, love you” with only a few clicks. I also send her my GPS location when I ride in the road so she can have some peace of mind. I hear Wahoo also released a watch, haven’t heard much about it.
Cons are a weak app ecosystem and not quite as “smart” (meaning it is not as filled with tech gimmicks and an endless stream of notification chum). The stat analysis of your health data is best done via Garmin Connect app or even better, the desktop website. They let you download some of the reports as a CSV, but I’ve found that more often than that, the formatting and how the data is broken up in the csvs needs some work.
Do remember, while not a Google or an Apple, Garmin is still a big evil corporation trying to make money off chumps like you and me. You likely won’t get these features and keep your privacy 100% intact
I’ll reply without knowing your situation fully. If you don’t have an emergency fund that would cover several months worth of expenses that is probably the single most impactful thing you can do with $10k. A few high yield savings account offer rates around 4%, some of them have strings attached, so read how it works carefully. Think of this as insurance against unforseen expenses that you might otherwise have to put on a card and consequently pay interest for. Pick a number and always make sure you keep that account at that number.
If you already have an emergency fund, you have lots of options. Personally, I am onboard with the folks recommending index funds. I have an ETF that tracks the DOW and it has outperformed most of my individual stocks significantly over time.
Most importantly, strangers on the internet are likely not financial advisors and may not even know what they are doing. Take everything with a grain of salt and if you talk to any investment companies make sure you understand the difference and overlap between a financial advisor and a fiduciary.