Issue while turning off Stolen Device Protection on iPhone

Yes, the 1 hour Security Delay is a crucial security feature of Stolen Device Protection. This ensures if a thief ever knows your iPhone's passcode and steals your iPhone, that delay will prevent them from making any sensitive changes to your Account, and giving you time to act upon it and secure your Account. You can choose to set Stolen Device Protection to "Away from Familiar Locations", so if you are ever at your home or work and decide to make a sensitive change, it may not require the delay, as it would be unlikely the thief would be there.

That's not the experience I'm having. I am at home, the same home where I've lived for 20+ years, where my Apple watch is on my wrist, where my iPad is sitting on my desk, and where my iPhone 12 refuses to disable stolen device protection because I'm not in a "familiar location". So I am now sitting here waiting on the countdown to expire for the SECOND time today so I can hopefully disable this garbage. I will never EVER enable stolen device protection on any of my Apple devices again. The sad thing is, I'm retired. I spend 95% of my time at home. I don't go to work anymore, I don't hang out very much at other locations. Yep, Apple doesn't consider this to be a "familiar location". I would really like someone to explain this to me.