Glenn Fleishman:

Leaving Stolen Device Protection enabled does mean that you may
have to wait an hour in some scenarios to manage aspects of your
Apple Account, make changes to Face ID or Touch ID, change your
device passcode, and a few other actions. But this minor
inconvenience might assuage the kinds of concerns that Scott wrote
in about, and make you more comfortable that your big basket of
secret eggs won’t scramble.

I put off enabling Stolen Device Protection for a while after it came out, because I’m stubborn and trust myself to a degree that’s probably irrational. But when it became the default I enabled it, and haven’t once regretted it.