NFC pay is not ubiquitous enough in my area so I use a phone case that has room for cards. I still need to carry a physical health insurance card and a physical ID as well so my wallet case is not going away. I actually bought a pixel 9 instead of 10 just because my favorite wallet case was available.
I'm considering just getting a Garmin watch that I keep disconnected from my phone to use for NFC pay. Seems like I would be able to set up my cards in Garmin Pay app and then just disconnect it.
The reason I'll never pay Google a subscription fee is because they still spy on you and make money off your data even if you pay them.
The deal is supposed to be either:
OR
Any service that doesn't fall into one of those two categories can GTFO.