Consider also a roommate or someone you've recently started seeing. They can very easily unlock your phone by using your finger while you're asleep. They could shoulder-surf as well, but you can be vigilant against that. It's almost impossible to be vigilant against someone grabbing your finger while sleeping
I believe most phones have a way to easily disable fingerprint or face unlock until the next time the pass code is entered.
For example, on recent iPhones, just hold both the power button and one of volume buttons down for a couple seconds, which brings up the screen for power off, medical ID, and emergency SOS. Hit cancel on that screen, and biometrics are disabled until you next enter the pass code.
It should be reasonably possible to be vigilant enough to do that before going to sleep.
If I remember the order correctly: One of the first attacks on finger print readers was to blow on them, making them read the remains on the previous fingerprint used. That was fixed by adding a temperature sensor to the reader, so to attack it you had to use a plastic bag with water at around human temperature. The easy fix was to also check for a pulse while reading the fingerprint, this also make it impossible to use a removed body part.
I have not kept up with the progress in the last years, so not sure how good creating a fake fingerprint that you put on top of your own prints work, like they do in movies. Finding and reproducing a print is not that hard.
As others have written, fingerprint are usernames. It is not secret and you can not change it
IMO a combination of bio-metric and pin/password/phrase would be a good solution.
wow. in what line of business do you work if you don't mind me asking?
;)
Mind you, there are some quite dumb criminals, so "likely probability" besides "how likely am I to get robbed?" likely goes out the window.