You made a claim that such devices were available from Garmin, and when challenged, your response is you should go find them. I know that Garmin has only one announced (none that are currently shipping) that support standard phone calls and text messages vs. almost every Apple watch for which it is an option.
That means currently sold Garmin watch supports automatic fall detection and/or crash detection (standalone) and in a month, that will change from zero to one.
I didn't find your onslaught of questions a challenge, i found it lazy. Garmin has numerous models which support phone calls and text messages, whether directly through the watch via its microphone and speaker or via phone. A number of functions are hamstringed by apple though specifically on iphones due to their heavy restrictions of third party devices, i.e. responding to text messages is on some garmin models best done via voice commands as a workaround.
I don't follow your second sentence, many garmins have incident detection.
There are many open source applications that talk to HomeKit devices, but even if there were not, you are on an Apple/Mac targeted site, and arguing that the Garmin Watch can offer all the same features as an Apple Watch so the question is not why it is the case that features are offered or not, it is simply are the offered or not. If you want to go make comparisons to Google Pixel watches in an Android some of your claims might be true.
Garmin has an extensive third party app and widget library, I don't know every single option that exists but your free to search for the specifics. Garmin does offer the same functions and more, I stand by this and if there is some minute feature that it doesn't have I don't view that as invalidating - I'm speaking to functionality of a smart watch, not every single thing that's possible - if that's your angle Garmin still wins there in a comparison of what watch can do more. i can tell you with certainty there are more functions that Garmin has which apple watches do not have than vice versa.
I looked in the “extensive third party app catalogue” (your definition is quite different from any I have previously encountered and there are none. There are also none for Apple Music (offered even on Android devices, but not on Garmin).
Garmin Pay support a small fraction of the banks that Apple Pay, Google Wallet and Samsung support.
There are none what, third party apps? Because there absolutely are.
I imagine apple music app not being on garmin being a limitation set by Apple, it's not available on android watches either. You can however control apple music playing on your phone via media controls with the watch.
Garmin pay is actually not bad, its supported by a lengthy list of financial institutions.
This only works if my watch is running the Garmin Connect App, much more limiting, than my Apple Watch which makes it much less valuable.
That is a restriction set by apple, you can make your complaints to apple.
Also, i checked and you can control unifi on garmin if setup through home assistant