On 3: Although you didn't give many details about this, I hope that your security system doesn't disarm when any of your cell phones is close to home, regardless of who happens to be carrying it...
My physical (schlage) key doesn't have check my fingerprint, so if someone steals that, they get in. If their cellphone behaves the same way, that doesn't seem like a step backwards, security-wise.
Though if my phone's NFC could unlock my door but required my fingerprint before unlocking my door, that would be kinda neat.
Its a trade-off for us. We had a security system for about a year before we realized it was inconvenient to arm/disarm it, so having a geofence ensured we always have it active when we need it to be. Your point is not invalid though.
Though if my phone's NFC could unlock my door but required my fingerprint before unlocking my door, that would be kinda neat.