I think Vivoactive 3 is better than my "old" Fenix 5, because stress score without HRM and Garmin pay have.
do you know more details why is better or worse how to compare?
I'm sure garmin pay will be coming to the fenix 5 series. I've seen that sort of thing happen to my garmin edge 1000, where stuff was announced for lesser gps bike computers and later added to my 1000.