NFC is a must on it, otherwise the only way it's an advantage by having the finger print scanner is to save time by entering a pin. Even iOS 7's new feature of locking an iPhone totally until you enter your password downplays this feature if NFC isn't included.
iPhone 5s without NFC = Meh
iPhone 5s with NFC = Yeah that works.
iPhone 5s without NFC = Meh
iPhone 5s with NFC = Yeah that works.