Sorry, I don't understand where you're going with your questions. I do use a password manager (Bitwarden). I do not use 2FA. I don't understand how using so-called 2FA but storing my secrets in the same place as my passwords would make me more secure.
You should reread your own posts. I'm only responding to what you write yourself.
If you do not understand the purpose 2FA, there are plenty of online resources available.
As I explicitly wrote, you can store secrets in separate places, and if you don't, you still protect yourself against password recovery attacks or interception and add redundancy.
