I much prefer convenient over fast, being able to just tap my phone's uploaded IC card/alipay without having to open it up or switch cards is maybe 200ms slower, but I don't have to think or change what I'm doing. Plus with alipay it will just autodeduct so I don't ever have to think about that as well, though Apple wallet Suica makes it easy to reload too.

JRE required Suica to be instantly accessible so there's a setting in Apple Wallet to set a card to a default quick transit use card(forgot the exact name). If configured as such, just poking the gate antenna with earpiece end of an iPhone instantly completes the transaction just as fast as a real card does.

(yes, the antenna is in the top FaceID/Dynamic Island area, Osaifu Keitai spec requires a □つ icon wherever antenna is located, which Apple managed to completely ignore)