Garmin vivoactive 3, Fitbit versa, or Samsung active?

I have a garmin and I totally agree:)

Had the Garmin and now have a Samsung, the Garmin is possibly the better fitness tracker but I've ded found the Samsung to be the better watch.

I like my Garmin Vivoactive 3. It's very sleek and watch-y looking, not one of those "commando looking" models, but it is a larger watch. I'm not a petitely feminine woman, so little delicate things tend to look a bit silly on me: I've long worn a fitness-type wristwatch, not a jewelry-like wristwatch. (I'm old enough to need a wristwatch, psychologically if nothing else. ).

You can buy aftermarket straps for it, but I haven't much explored the styles. I quite like the simple black silicone band it came with.

The wrist-based HRM works fine for me, except for rowing (on-water or machine); there seems to be too much arm flexion, and the HRM will periodically lose contact and produce questionable results. I use an Ant+ chest belt with the watch for rowing, and that works great. Other than the rowing issue, I get HR profile results from activities that are quite similar to what I formerly got from my Polar HRM (not fitness tracker, simple HRM), and speed/distance results similar to what I used to get from my old Garmin Forerunner GPS device . . . but it's all nicely integrated, now.

I like that:
* I don't need to have my phone with me in order for workouts to be recorded.
* I can tell it what type of workout I'm doing, to get more interesting/useful workout stats tailored to that activity.
* Data gets stored in the cloud once I get back within Bluetooth range of my phone. (That means it's safer from device hardware failures or loss, and I can access it from multiple devices.)

There is no poke-y prong thingie on the back of the watch for HR monitoring, just some lights. It feels not particularly different from my old wristwatch.

I don't love the charging port (special cord required; the cord that came with the device is hard to keep plugged in, but I've now got some aftermarket ones that - strangely enough - seem to snap in more securely). The sleep tracking is silly wrong (from what I've read, this tends to be true across brands, for anyone whose sleep profile is unusual). It tends to undercount flights of stairs (as does a different Garmin model a close friend has; don't know whether other brands have this issue). Other than the charger, this is stuff I don't care much about, frankly.

Oh, BTW: It charges quite quickly, and a charge will last 2-3 days for me, even with workouts in there. I usually put it on the charger when I shower, and that's normally enough to keep it charged up adequately all the time.

When my FitBit dies I'm getting the Garmin Vivoactive 3. I guess it really depends on what you're looking for. The Garmin is going to be a more robust fitness/sport watch and a reasonably good smart watch. The Samsung is a great smart watch with reasonably good, if not more casual fitness/sport tracking. I don't know much about the Versa, but I'm kinda done with FitBit.

Garmin Vivoactive 3. It has far exceeded my expectations.