If you use Apple pay on the watch one thing that I noticed is that if you turn off the passcode lock on the watch all of apple pay cards will be removed
Is this true tho cause correct me if I am wrong but apple pay on the watch will not work without a iPhone connected to it?
And to connect the apple watch to a new iPhone it would have to be reset?
Yes, and the watch reminds you before turning off passcode.
I actually didn't get that. I'd turned off passcode in order to let a friend try on the watch and use its features. A short while later, I* got an email saying my Apple Pay credit card had been removed from Apple Watch. I thought it was for fraud-prevention reasons, so I haven't added it back yet.
*I didn't personally, but I'm demonstrating that, even if it is your significant other's device, you don't have to specify it.