In regard to unlock w/Apple Watch: - This is an issue of Apple's own artificial creation. - This doesn't even solve the issue. So this all started because Face Unlock didn't work with masks, that's not Apple's fault. But what is entirely Apple's fault is that they break an option which resolves this only when Face Unlock is enabled: "Require Passcode." When you disable Face Unlock you can set Require Passcode to e.g.…
In all fairness, I believe they require you to set a passcode on your watch if you use it for Apple Pay. And, honestly, especially right now--while I don't always use my watch to pay mostly because the Magsafe wallet makes pulling out a card very easy--it's pretty convenient.