Can’t help you with the keys or ID (yet), but I exclusively use the stored cards on my Apple Watch for payment. It is so reliable (in Norway) that I haven’t brought my wallet on normal days in 2+ years.

Even on vacation in Northern Europe (Belgium, Netherlands, France, Germany) and on a business trip to the US (California+Texas) this year, I very rarely had to use the physical cards. NFC just works. Everywhere.

I still bring the cards on important occasions or when going further than a normal drive, though - a testament to the fact that the day you’re longing for is not _quite_ here yet.