The threat exists even if you reset and is probably greater. When the app is connected you get notifications if someone else is trying to access your account. You will not get anything if you remove that. All Ford vehicles can be connected to by the dealer that have connected sync 3 or Sync 4...
You need to be in the vehicle to initially set up FordPass. After that you need to authorize each additional person's access. It is not possible to get around this without a master reset. A PIN is unnecessary.
I have a 19 Ranger with the Ford trifold. It leaks a little bit. I am waiting on my Mav and ordered the same cover. They should not cut the rails to install it. I worked at two different Ford dealerships and they come precut. It definitely keeps snow and ice out of the bed and that is my goal.