I currently have multiple keys. One I carry on me and one I locked in our firesafe with other important documents.

The way I see it, I would want the bio version to be the one on my person. I still have the other put away where it won't be lost.

I lose my hand? Still have a backup. I lose my key? Backup and maybe I have a little bit of extra time to update my bank MFA while the thief figures out the fingerprint situation.