I've tried two things. The free version is I've stuck a card which supports tap to pay inside my phone case. Big brain time, I know, but it actually works reasonably well. Many modern card phone cases now put shielding in (they didn't used to), which on one level I appreciate, but it limits its utility in this particular use case. I haven't tried one of the current cases to see if the shielding can be easily removed. A thin, flat card with etched/printed numbers is better than one with stamped/raised numbers.

Beyond that, I've been quite happy with Garmin Pay. The watch itself doesn't have a mic or LTE radio, I leave it on airplane mode the vast majority of the time, and it works without the phone nearby. As privacy-hostile-device privacy policies go, Garmin has one of the less offensive ones. I run the Garmin apps in the Owner profile's private space.

I've never had it not work for payment in years of using it, and in fact, at one one payment kiosk I tried to use Apple Pay for a particular large purchase when it made sense to, the kiosk refused repeatedly, but then accepted Garmin Pay.

Their lowest-end devices still don't support it, but I think you can get into it for an MSRP of about $250, and they tend to discount at all of the predictable times. Also, eBay.

Re: FaceTime, there's a way to do it from Android if you're invited (I don't think you can initiate it), but I haven't messed with it in years. See if you can get a good privacy book for normies on the agenda and suggest moving to Signal during the discussion.

I have a Garmin watch, but my banks don't support it for tap to pay. I can add cards to Garmin wallet, but not to my watch.