First, it’s unfortunate, that passkeys were implemented without user verification (by Bitwarden - and others), so that we could get used to that…
User verification is part of the passkey specifications / FIDO2-compliance, so it was clear, that that part was missing and inevitably coming…
Though, how it is implemented with Bitwarden is already part of a discussion: Passkey User Verification Independent of Vault Unlock Method
So, to your question: no, I don’t think it is meant by the FIDO alliance and others, that users can deactivate user verification as they wish…
But it is not set, that you have to use your master password for user verification. As Bitwarden has implemented it for now, more or less your method of login/unlock determines, what is used as passkey-user verification. If you used, e.g., a non-biometric PIN and unlock your vault, you would be asked that PIN for user verification (same goes for biometric unlock etc.).