Well apart from password app (which was much needed to counter the 1Password discontinuation of cloud based vaults) and Math notes caclulator (iPad only feature), rest of the stuff is meaningless to majority of the people. Btw, audio transcription is part of Apple Intelligence.
Secondly, the current generation iPhone and the current generation iPad mini can not use Apple Intelligence makes no sense to me. Hardware limitations are understandable but you can not even provide cloud support for current generation devices??