I can share a bit and confirm your expectations about the locale part. I moved to a different country and didn’t need to change my locale for a couple of months until I was forced to because some apps I needed (banking, transit, etc.) weren’t available in the app store unless I changed it. Other than that I didn’t seem to have any major issues. I believe subscriptions can also be tied to your method of payment (i.e. which country your credit card was issued) rather than locale, but that will vary depending on the app.
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that is on-par with my experience.
If on android, you can visit a google app store mirror (like aurora) which has all apps not locked to a region. Meaning, you can get that transit app.
On iOS, there is no side loading to get around that at the moment.