I really wish Apple would offer a pin option on macos. For this reason, precisely. Either that, or an option to automatically disable touchid after a short amount of time (eg an hour or if my phone doesn't connect to the laptop)
As another alternative, rather than using Touch ID you can setup a Yubikey or similar hardware key for login to macOS. Then your login does indeed become a PIN with 3 tries before lockout. That plus a complex password is pretty convenient but not biometric. It's what I've done for a long time on my desktop devices.
On my Macbook Pro, I usually need to use both touch and a password but that might be only when some hours have passed between log ins.
You can script a time out if desired.
uhm, are you saying its not possible to require an actual password to unlock osx?
You can setup a separated account with a long password on MacOS and remove your user account from accounts that can unlock FileVault. Then you can change your account to use a short password. You can also change various settings regarding how long Mac has to sleep before requiring to unlock FileVault.