2023 i4 m50 Portimao/Oyster
Well... I like to think I've traveled extensively (6 continents, 2 million flight miles, etc.), and I can think of only one time when people were this close to me (departure lounge in Bangalore). And in that case, my claustrophobia hit so hard I had to create a "pocket" around me. Again, 4cm? A meter, maybe, but no one gets that close to me without me being aware. And if I'm traveling in those cases, I set my phone to require me to unlock it before it uses NFC (turn off Express Mode for the BMW card).I think the situations are very different between our continents. Shame you don't seem to believe us. I park in Heathrow airport many times a year and those carparks can be hectic.
If you are in the game of thieving then its easy pickings.
And yes, I'm a professional security person (a "professional paranoid" as we like to say), and I understand the risk, but with NFC I just don't see it being significant.