Android Pay is worthwhile even if you never use it for payment purposes. It also holds discount/membership cards. For example, my IKEA, Jet Blue, CVS, and Walgreens cards are in there. I don't know if you use those types of things, but they don't seem to warrant the type of security a credit card would.
Because these are unavailable for >95% of Android phones, I have not and will not use these services.
I'm (currently) on LineageOS with the December security update - Android Pay doesn't work there, not that I ever wanted it anyway.