You don't need a smartwatch. And if you think you do, paying more than a couple of hundred dollars feels pretty hard to swallow. The Apple Watch is in Year Three now, and there are three choices: the fancy Apple Watch Series 3 that's also a phone, the Series 3 without cellular, and the entry-level...
Costs less than Apple Watch Series 3; Has Apple Pay, heart rate functions, and runs all the same apps; Similar design and uses same bands, too
Lacks swim-ready water resistance and onboard GPS found in Series 3 models; Only comes in aluminum; Doesn't have the Wi-Fi music streaming and Radio app of Series 3 models