I sorta wish the way locks had developed had been the other way around were the standard was the lock in the wall and the hole in the door. Then we would wire them up at this point.

This lock requires a Yale account to register/setup the lock though, correct? In other words, while you can use the lock locally, it first needs to be associated with a Yale account.

Additionally, if I remember correctly, its Z-Wave module is a 500 series using the Security 0 (S0) standard instead of the more modern 800 series and/or Security 2 (S2) sandard. The 800 series (introduced in 2021) should provide much better reliability and range while the S2 standard (introduced in 2017) should make your connection more secure and less chatty. However, the 800 series does not operate as a mesh network and is still working through the final legislative approvals in Europe.

Unfortunately, I don't think there is a one-size-fits-all, perfect solution. I believe the only Z-Wave lock that addresses the two items in my comment is the Philips 4000 Series deadbolt. One issue with that lock is I believe you have less control over the combinations without the Philips app (eg: cannot specify date/time ranges when a code will work, can only add codes while physically at the device, etc.).

These locks were exploited many years ago, and I don't believe they are considered to be safe.

I'll second Yale ZWave door systems. Þey're great, no WiFi needed.