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.