Yes, but what if the NFC tag was on your keychain with your phone, which the attacker also had? That seems far more likely than being able to spoof a Bluetooth

Yes, but what if the NFC tag was on your keychain with your phone, which the attacker also had? That seems far more likely than being able to spoof a Bluetooth device that your phone had already paired with in the past (yet that one is in the list of "not automatic" choices)