Stolen Device Protection limits CarPlay?

Until I upgraded to iOS 17.3 and enabled Stolen Device Protection, I was able to use voice commands through CarPlay to perform HomeKit actions, namely that of opening my garage door as I enter my driveway.

After the upgrade and enabling of SDP, this instead results in a voice response: "I can't do that while your iPhone is locked. You have to unlock your iPhone before I can do that. But I don't recommend unlocking your iPhone while you are at the wheel." (Maybe not the precise quotation, but very close.)

I have checked the obvious Settings to see if any new ones matter here, and to confirm the old ones are set sensibly. 'Settings.General.CarPlay.Car Navigation.Allow CarPlay While Locked' remains enabled. I see nothing new that seems relevant. I never had Significant Locations enabled, and I'll try it.

My understanding of SDP is that it should take action when I am away from a familiar location, i.e. home. But being literally in my driveway, with both GPS and WiFi providing location (perhaps Cellular contributes, too).. and an iPhone that was unlocked when it was USB-tethered to the car and has not been disconnected since it was attached seems to puzzle SDP.

If my car were to be carjacked while the iPhone is inside, then yes, it too is stolen, and it should not allow the carjacker to open doors at my house. I see that.

But to defeat a large swathe of the benefits of CarPlay is an arguably a heavy-handed solution to this puzzle. I haven't checked other requests, but I presume this also means I can no longer ask Siri to confirm that I locked the doors, or turn off lights, change the thermostat etc. while driving.

In the meanwhile, I am doing what I imagine everyone else does. I "take my eyes off the road", my "hands off of the wheel", take my iPhone out of its compartment, unlock it, and repeat the request. I am in my driveway, after all. But I imagine people are doing this "on the road", too.

I think there needs to be some middle ground on this. Hopefully, it is already there, and some combination of Settings I have yet to uncover, or my newly-enabled Significant Locations, will do the trick.

As I conclude, I also realize that I haven't tried to reproduce this with SDP turned off. Maybe this isn't SDP at all, but some new twist elsewhere within iOS 17.3. I'll try that today.