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No not if you are comfortable with your system of vehicle access.
I've never set up my iPhone to access my car. I only use my iPhone -- better sit down for this -- for phone calls and not many of those. I buy 1500 talk minutes a year. No apps. Very limited use of it for email and texting. Just a phone.
With my M2 I did set up the card but it was inconvenient to have to open my wallet to get it out. And I didn't like carrying a card in my pants pocket. I'm used to a small key chain -- with house and mailbox keys -- and a car keyfob connected to nothing else. A card just didn't feel right. And with the card I feared it could fail to work and as back up I carried a keyfob anyhow to have handy -- just in case -- the integrated key to allow vehicle access.
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