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For me digital wallet is a bit more convenient than using my real wallet, but not essential. I have one credit card that I use all the time, but it seems my bank hasn't bothered to make it work with NFC payments yet for some reason, but it works with Google Wallet so that's nice.
I also always keep my wallet with credit cards and a little bit of cash as a backup. One time I was out at a bar and there was a power outage. They were still serving drinks, but instantly all transactions switched to cash only. I think it makes a lot of sense to have backup options.
The opposite can be good too -- your phone as a backup just in case you forget your wallet.
It's probably not entirely been worth the effort to stay up to date with changes whenever Google breaks things. At some point I may stop. I guess one immediate value has been that watching things unfold has hastened the souring of my view on Google. I am now frequently looking for ways to avoid their ecosystem, and avoid big companies / non open source in general. I'm far from ready to leave the ecosystem on every front. But at the very least, I would never recommend a Google product in my professional life at this point, at least not without careful planning of an exit strategy.