Windows Hello FIDO2 certification gets you closer to passwordless

I am somewhat new to this, but recognise the significance of the world having better security via having their windows 10 devices as a FIDO2 certified authenticator with Hello! BUT , I am confused as to whether this means that we would or wouldnt still need to have dedicated yubikey type security keys? I recognize that this perhaps depends on the security level a user/company requires, but as a "regular" person, keeping a somewhat-secure life online and IRL, wanted to understand why even the Feitian BiosPass2 is still needed since my Lenovo laptop has a built in fingerprint reader for windows Hello and thus the FIDO2 authentication? Again, apologies if the question is too light, but my google searches didnt find this answer. Thanks. "Regular" person = (ie already 1password for 3 years, all drives are bitlockered, using 2FA where needed, but nothing like $100m to steal etc.)