Generic fingerprints work fine with “simple” devices like lights, switches or sensors, but it’s a matter of time we start seeing more mix & match features. Wall switches with motion sensors, lights with illuminance sensors, smart ceiling fans with occupancy sensor and light, etc.
The underlying issue is drivers being monolithic instead of modular, if it makes sense. They target whole devices and not components. There are drivers for motion sensors, there are drivers for lights, but if you have a light with a motion sensor you can’t use both and instead have to literally copy-paste the code from the sensor into the driver for lights, like for the Third Reality night light.
I don’t know if there’s support for Matter smart fans, but let’s say there’s a smart fan driver. Now a manufacturer decides to add a light, quite typical for ceiling fans. Will the matter-switch driver for lights now be a driver for smart fans too?
It may be hard to implement, as @JDRoberts states above but, ideally, any Matter controller should support any Matter device without the manufacturer or the users doing more effort. If a device is a smart fan and a smart light, maybe it’s better to expose both as two devices, each one with its handler, than having half the functionality completely gone by default unless the manufacturer adds specific SmartThings support.