Back when I had an Apple Watch, I failed to use Apple Pay on it enough times due to it being stuck in an "Updating cards" mode, so GPs "95% of times it works but sometimes you need a fallback" rings true to me.
That's surprising. Of all the Apple Watch's many failings (such as its hilariously bad transcription) I've never had Apple Pay not work flawlessly on it. One of the main reasons (the other being the "make my phone loudly beep" button) I even bother having one, the rest of the features being so underwhelming for its price.