Security of user accounts on Mac OS

I know iPhones are pretty secure if they have a passcode on them. How do Apple computers fair in the same way of security? I have a MacBook Pro 2018 15” so it has the T2 chip which I’m not entirely sure what that does. I gusss I could encrypt the disk and make it prompt for password. But I want to flirt that line of easy to use and secure. I’m trying to prevent access to my user account without my fingerprint or passcode.