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Since the EU ruling only applies to the iPhone (not the iPad) I do not see that (m)any third party app stores will spring up. EBay, for example, are not going to develop and mandate an app that cannot be loaded on my iPad.
 
Slightly different question: I have two SIMs (one eSIM and one physical SIM), one is a EU operator the second a non-EU operator. Which SIM will dictate IOS behaviour?

Not sure, but Apple might gauge your location by the nearest cellular mast?
 
Since the EU ruling only applies to the iPhone (not the iPad) I do not see that (m)any third party app stores will spring up. EBay, for example, are not going to develop and mandate an app that cannot be loaded on my iPad.
The tablet market is much smaller than the phone market. There will be lots of third party stores, at least in the beginning, when there is nobody having a monopoly in that field.

And of course nobody who already is present in the app store of Apple will build a side loading app, because there is no reason to.

Only very few apps, who didn't make it in the app store (either because being fraudulent or adult entertainment) will be published for side loading.

Anything else is already in the app store. Even different browsers not dependent on webkit will be in the official store for EU customers soon and inside the EU the NFC is open now, so banks can decide if they add a non Apple Pay payment method to the existing ones or not.

In the end I don't see what the EU expects from side loading besides philosophical possibilities. In the end most people neither need this, nor that they will use it when it becomes available.
 
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