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.