I'm 535 user and last week I bought new 950 XL. I guess Project Astoria would help Windows Mobile. Nevertheless have to be happy with good camera and some apps and maps. It was 169 €.
Project Astoria is dead and buried more than 2 years ago. You paid 100 EUR too much for the 950XL. Are you sure it is new or is it just new for you ?
They told me it's barely used. Got it in the original box at local physical store with one month warranty. IMEI is clean and everything looks like new. Battery wear level is 0 %, according to AIDA64 app. When 950 XL came to our market, recommended retail price was €750. This phone is my new daily driver for who knows how long, I guess far beyond December 2019. If there is no bank app, an online bank should work via browser as long we have required personal digital certificate, but I'm not interested to have that kind of bank anyway.