Personally, all my apps are working fine, even my bank app.soooo.. as a summary, how does ArrowOS13 looks right now on Poco X3 Pro? How's the battery usage? How's the system itself? Do the banking apps work? does nfc payments work? What's the overall state of ArrowOS13?
Battery seems the same as 12 and 12.1, didn't noticed a change and didn't changed my way of use.
I can't answer for nfc payment, don't use it.
Os is stable, smooth and works as usual.
Some minor improvements, like timers appearing now in a list and surely more little things but those are surely more from Google side.
As I already said, so far so good...