The wireless one has Bluetooth - which is the only way to go on iOS for now.
Let’s hope that one day Apple opens full access to the NFC chip.
(And Bluetooth isn't that bad either?)
I'd rather force them to smash my windows and doors rather than just give them what they want in passing.
Yes, a localized attack is still possible but you probably have a different set of worries if attacks are going so far as to be within a short distance of you.
These tools are about reducing the effectiveness remote attacks which are much more logical to carry out.
TOTP does not solve phishing in any meaningful way.