Even without the iCloud lock you can get burnt. I lent a friend an iPhone8 while he got his phone repaired. He factory reset it, and then forgot the pin he use

Even without the iCloud lock you can get burnt. I lent a friend an iPhone8 while he got his phone repaired. He factory reset it, and then forgot the pin he used to lock it afterwards. (Fortunately he eventually "remembered" it before hitting the phone's lockout, which presumably means it was just not the important reused pin he thought he'd used, but some other important pin...)