Same. 1 key card for all 3 cars...
But the phone, IMO, is the best quality of life improvement over ICE vehicles. I received 2 FOBs with my 2022 MS, but only use them for valet. The phone is pretty flawless at unlocking doors when I make approach, seat position/profile. It actually does a great job even if my wife gets in the car first with her phone in the passenger seat. I sit in the drivers seat and it loads my profile (she's even the primary in the MS).
With the widgets you can have quick access to unlock the doors, truck, frunk, etc. I'd never go back to keys.