What a bunch of luddites!
Well I have 3 NFC cards and think they are brilliant. Of course I have an Oyster card. My bus pass is also NFC. I buy my lattes and lunch almost every day in shops using my NFC debit card. The latter is, I suppose, the 'proper' NFC card with the little symbol on it. I got mine via the O2 Wallet system, the easiest way I found to get one without having to take out a new bank accout or get a new credit card. I can put as much or as little as I want on the card, I get a txt msg every time I use it telling me how much I have spent and how much I have left and of course there is a limit to the maximum you can spend in one transaction. Topping it up is fairly easy, although the O2 Wallet system requires me to remember 2 passwords, and my verified by visa password (so that's 3 passwords then) which is a bit OTT.