I use it every single day (OK, maybe not every day, but pretty much!). If this thing could be used for ID (driver's license, etc.) I'd leave my wallet at home. I missed it terribly when I tried the V20. One of the main reasons I came back to Samsung.
You can, however, turn it off if you want to (but truly, it's just so much better and secure than using your actual card! Plus they are running promos all the time, including their new rewards program). Just go to the app's settings if you've already set it up and select RESET APP to clear all information from it, or if you do want to keep it just in case but not have it 'interfering' with anything else, go to the app's settings, select USE FAVORITE CARDS and turn everything off there. That way Samsung Pay will only be opened when you open the app.