Well to each their own but the reason I don't have an iPhone and haven't since 2010 is the user experience for me is better on Android.
Samsung has alot more than just Samsung pay and touchwiz, you apparently just don't know about it. They have had their own app store for years to name one and developing Tizen which right now I don't care about but it it may be a viable option at some point.
Apple also uses Google services because some of theirs aren't very good....like Maps.
Regardless of the quality of Apple's own in-house services, they still cost Apple resources to run and maintain regardless of whether you use them or not. People seem to think that Apple gets to keep every last cent of its hardware profits and that they don't need to be channelled anywhere else.