If and when you ever get to that stage, it would be nice to pick and choose which installs need the second factor if possible.
Like i don't use it on the web site, not so worried because I know the secret key (good luck to them), but on a work PC or two that may or may not be keylogged, and little extra would be nice (though at that point, yes, they probably could get the secret key and get into the web account, but still... even if it were enabled everywhere, I would prefer not to need it on the home dekstop/laptop).
And also, such NOT a fan of FIDO2 passwordless experience. Just lift my keys? OMG. And a pin doesn't count.
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