you may be under thinking.. it takes an additional action (and time) to place your finger on the scanner before the transaction or app gets authenticated, whereas for faceid it’s seemless. since you earlier mentioned that FaceID requires an additional step to slide up to get to the home screen, then shouldn’t this additional action for TouchID be a drawback worth mentioning as well?
idk if you use apple devices with both TouchID and FaceID concurrently (you sound like you don’t), but the difference between the two and is quite obvious. not so much for when you are reaching for your device to unlock it or authenticating for apple pay. but more when using it for apps when your thumbs are naturally on the screen.