Fresh out of the shower? Can't unlock my phone.
Phone too close? Can't unlock my phone.
Want to quickly unlock my phone while it's laying on my desk? Can't, gotta lift it, point it towards my face, then lay it back where it was.
I dunno, I have a bit of relief when I can just unlock my iPad with my finger.
I too miss the finger print unlocking.
FaceID works so poorly that I actually disabled it for unlocking my phone. At least when I use a passcode, I can set a grace period of one hour before the passcode is required again. If you turn on FaceID, it's always required as soon as you lock your phone.
I have an iPhone 13 Mini fwiw.
If I went kayaking every day, or just generally had wet hands a lot of the time, I could see how that could get annoying (although hand towels exist...). I wear my CPAP every night though, and didn't always feel like taking it off just to unlock my phone.
FYI, when Apple made FaceID tolerate face masks during the pandemic (probably for the same reasons it was annoying with a CPAP), they actually made it less secure (because there is no circumstance under which giving less information but expecting the same level of security will hold)