On my first read of your question, I didn’t understand it bc I don’t use AirTag and I’ve not heard of “Tile”.
I revisited your post today to see what, if anything, has been discussed and if others have something to offer.
Me personally re FOBS, I’ve gotten in the habit of turning off the FOB’s proximity sensor whenever I leave the vehicle. Still waiting for my second FOB but have the metal key that goes into it.