No, you won’t. The burqa is extremely rare in Western Europe. This is pointed out whenever political parties propose a burqa ban: a country would be banning something that isn’t even a significant thing there. IIRC, the total number of burqa wearers in all of France, for example, does not exceed 300.
As for niqabs, you do see one from time to time, but they certainly aren’t common against the total Muslim population, and when you do, it may be that the wearers are visitors from e.g. the Gulf states and not locals.
I see a burqa weekly and 10+ niqabs every day, and the area that I live is not what you would call a "muslim zone". It's certainly not a tourist zone, so unlikely to be non-locals.
At this point I can only assume that you are not operating with any standard scholarly definition of the word "burqa". There are different terms for the various modesty garments from the Muslim world for a reason.
most people here in the UK would have a credit or debit card on them. almost everyone have a driver's licence, but bank cards are a must even for those that dont
That does not mean they have to carry said stuff with them. Also, credit/debit cards do not store the same kind of information an ID card stores, particularly as there is no photo.
Do you really think we ought to have a society in which no one can leave his house without his dog tag?
It's extremely normal to travel without any kind of ID, especially photo id. The main thing a lot of people carry is their driver's license, but if you don't have one of those you might very legitimately have none.
[0]: https://en.m.wikipedia.org/wiki/Hijab_by_country