Pins are relatively easy to guess, so I would prefer Face ID. And I don't see why people feel the need to say "if you're gonna do this..." statements. It's my item to use as I please, so if I want to lend it out to someone... then why should anyone else care? Trusting someone with your watch is different than trusting them with your wallet. And "securing" your Apple Pay with a pin is pretty minimal at best.
I'll use my watch how I want, when I have it. I want what I want for my own set of reasons.
The judgement from the forums about what I would do with a watch is real up in here lmao
Can we please get back on topic?
You can easily unpair your watch from your phone and account to ‘lend’ it to someone, and you can set up a 6 digit pin code to unlock the Apple Watch, now seeing as most banks have used 4 digit pins for years and years and never changed that, I think it’s more then secure enough.