How do I choose a secure and user-friendly app for storing medical records?

I’m evaluating “the health wallet app” category and want to know which features are essential (importing discharge summaries, lab results, immunizations, prescriptions, insurance cards, emergency profile) and which are critical for security (biometric unlock, end-to-end encryption, local-first storage, secure backup/restore). How realistic is integration with providers and insurers (FHIR/HL7, e-prescriptions), syncing with wearables and Apple/Google Health, plus audit logs and family sharing (children, elderly relatives, temporary clinician access)? Do reputable solutions offer export without lock-in (PDF/JSON/FHIR), transparent monetization (no data resale), GDPR/HIPAA alignment, and reliable offline/roaming support? I’d appreciate real app examples and lessons learned—what failed in practice and what actually saves time at appointments and pharmacies.