Honestly, I liked the flatness of the cash strap. But sometimes it was hard to get cash back under the strap without fiddling with it. Plus, if someone handed me a business card, the business card wouldn't fit because it was too long.
The money clip solves this problem. Since it's open ended, business cards are secure even if they hang over the edge of the wallet a little. So they get to my desk where they belong, instead of ending up in the laundry.
I went with the AirTag since I had one laying around. The carbon fiber looks good. Adding the AirTag makes the wallet thicker. So if that's a concern, it might not be for you. In my case, it's a worthwhile trade-off.
I like my Ridge a lot and I'm glad I made the switch. Being able to customize it to suit my needs is a big plus.