I do miss Touch ID coming from the S21 ultra but Face ID gets the job done. Is it a hassle? Touch ID under the screen can be a hassle at times and even had to reset it from time to time. A physical button Touch ID is smooth and great. Face ID can be a hassle if you’re driving and don’t have the right mount to auto scan for Siri commands but that should be less of a worry as safety should be your concern.

Overall, both have great use cases but on apple, Face ID is seamless (without mask) so I would say you will adapt :)