I never turn on my NFC and I have never had a problem pairing any Bluetooth devices, and I have about 5 right now paired to the phone, so am I missing something here?
About Android Pay yes, that's a most, but that's why Samsung Pay is so good, obviously if you have a participant bank and card then it makes no sense to use Android Pay over Samsung Pay because SP will work wherever Android Pay works on those NFC tap and pay terminals in addition to the rest (most of them really) of regular magnetic stripe readers. It even turns NFC on temporarily when needed if it turns off, great little feature. I can't forget to mention the Samsung Rewards program and the new deals you can get from tons of merchants online and in Stores.