Oooof, I couldn't stop reading this thread either
As someone with a vested interest in the keyfob, I believe they're launching with the prox card, and will offer a keyfob later as an option. As others have said, the mobile app is slow, but could work with Bluetooth. NFC isn't an option as Apple won't open that up, try holding your iPhone up to any card reader in an office, it'll try to ApplePay it
At home I use August locks (which aren't the most reliable, but still...), they unlock either based on geolocation of the phone, or bluetooth connectivity. Assuming Tesla can make it reliable, I'd have no problem with using my phone as the main 'key' (fingerprint protected), and the prox card as a backup. Maybe we'll find out in ~28hrs, but then again, we probably won't