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It doesn't work that way. iPhones NFC chips are still powered even if the phone battery dies. That's how transit cards work even when the battery is dead.

https://bgr.com/2018/09/18/iphone-xs-vs-iphone-xr-nfc-chip-w...

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That's better than nothing, but that doesn't describe "NFC works with dead phone", that describes "phone reserves up to five hours of emergency battery power for only NFC use".

When my current car fob starts displaying a low battery warning I have at minimum weeks to replace the battery. (Not to mention my current car fob is resistant to being dropped, stepped on, etc.)

Then carry a key fob with you. Nobody will stop you.

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