addition is easy/essentially the same cost as standard (not really, because you have to compute mod p addition rather than mod 2^32, but ignoroing that it's roughly the same).

as a general rule multiplication is the difficult part.

it's hard to accurately quantify what "nontrivial" cost overheads are because they're very application dependent. for example, things that require encrypted control flow are very hard under FHE. so an encrypted hashmap sounds roughly unimplemnetable. but things that do not require encrypted control flow (e.g. many ML applications) are less bad. this can still be quite bad though. for example, relu is trivial in plaintext. it is hard homomorphically, because the trivial way to write it uses private control flow.