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I just got back from Europe where I used my mag stripe card quite a bit. In the UK I was asked for an ID almost 100% of the time and merchants seemed do a good job of actually matching data, and then matching my photo id to me.

In France it was hit or miss, I'd say maybe 25% of the time I was even asked for an id for a transaction.

I would probably carry the fob around simply to replace all the loyalty/membership cards that take up a large proportion of my wallet. It won't replace my credit/debit cards as they have chips but my less secure cards don't require the merchant to verify physical card or name etc.

Yes, and at least in Finland the merchant has to inspect the physical card to see that the name on the card matches the buyer's ID. (In practise it seldom happens.)