I used Windows Hello on my Lumia 950 for a while back in the day and it seemed fine. It did the recognition work on-device and didn't involve sending anything to "the cloud," which was nice.
But yes, I eventually turned it off for the same reason I would turn off fingerprint authentication.
iPhone 8 keeps the home button and thus TouchID. iPhone X loses the home button and with it TouchID. As its replacement they use a 3D camera for facial recognition.
Remember that we just found out that the next version of iOS has a special feature where you can press a button five times to disable the biometric stuff and force someone to use a password to login. I imagine that's their solution to this (and TouchID).