Fair, but I am a nobody that is unlikely to be specifically targeted. I am willing to swing the balance towards convenience/backup safety vs utmost security.
A common misconception. After credential stuffing (which 2nf factor protects you from), your biggest threat (for people with 2nd factor) is phishing and keystoke logger, which does not require any targeted attack.
OTP is way less convenient than fido keys, so it's both convenience and security. The only downside is the cost, and the effort required for registering multiple keys which is easily compensated for by the ease of use during authentication than OTP.
But then I'm not aware of a FIDO key that works with random apps on an iPhone. That's where I, personally, have by far the most logins and spend money. Pretty much all of them support some sort of authenticator app nowadays though.
