Another good idea would have been for me to research the issue more thoroughly. My daughter just showed me that though the phone unlocks and indicates so on the lock screen, it remains on the lock screen until you swipe up (i.e. press the home button). Right there is the active user element. Though the phone is unlocked (protections removed, which isn't ideal) I am only taken out of the lock screen if I actively choose to. This is a better outcome than I feared it would be.Just turn off raise to wake on the iPhone if you want more control over unlocking. You tap the screen to turn on the phone and initiate an unlock.
(This actually was a WEAKNESS with Touch ID, particularly the second generation Touch ID: it read your fingerprint so fast, that you didn't even have an option to view the lock screen before it had authenticated you and gone to the home screen. But raise-to-wake fixed this.)