The Music isn’t the clincher for me, but Garmin Pay is excellent.
There are some bits I love on the instinct that aren’t on the V4 (a more manly alarm being one and more configurable backlight options) but the V4 is a better Garmin to wear to work, whilst the Instinct is better for my watersports and tougher for MTB.
I managed to put one of those SPguard covers on (second attempt….do watch the YouTube tutorial!!) Which works really well.
I suspect I’ll chop both in later in the year for a F6 Pro which ticks all the boxes and isn’t quite as humoungus as my old F3!!