You don't but the networks do...
For reasons better known to them, each time I have upgraded, they have sent me a new SIM to go with the phone. Each time I have though "ooooh, I wonder if this SIM has enough space to backup my contact list" and each time I've found it's exactly the same type of SIM as the last one.
I can take my current SIM out of my N95, and chuck it into the earliest GSM phone I have laying about, something I haven't used since last century, and it'll work.
Such is the level of progress... i.e. Bugger all!
As for NFC, Nokia have been nosing about this (excuse the pun) field for quite a while. I have replacement shells for 5140s that add NFC, and I might have possibly developed some software which used it a couple of years ago... *cough* NDA... *cough*