100% agree with all that. I’ve got the credit card too and used it once to see how it works. And thinking about it, to start the car the phone needs to be on the charging panel so actually is more hassle than the key that can be in my pocket. (I’m assuming a fellow BMW driver 😀)
Also just as an anecdote, I just tired to open the car with the digital key as I didn’t have my fob with me. And it didn’t work. Nothing. I have had to remove the digital key and reinstall it for it to work. Now that would have been annoying to happen if I was away from my house with just the digital key…