That way there's zero chance of losing access to all 3. I use 3: one that never leaves my office, one that never leaves my home, and one that I keep with me. The YubiKey 5Ci with Lightning connector and USB-C connector is priced at 75. I recommend a minimum of 2 one stays with you on your keychain while the other can remain at home or in your offi ce. The YubiKey 5C NFC that I used in this review is priced at 55, and it can be purchased from the Yubico website. Get a couple of keys and try to keep them in different places. Email, at least, needs to be absolutely secured, as an email compromise will allow a SIM swap which gets around SMS authentication.

As an IT professional, I generally tell my clients that SMS 2FA gets you 90% of the way there TOTP (Time-based One Time Passcodes) gets you 99% of the way there and hardware keys are as close to 100% as you can get.

To the best of my knowledge, there is no way around a hardware key unless the user up and bypasses it themselves. There are now inexpensive 'toolkits' that allow the bad guys to set up phishing attacks that get around all forms of 2FA.

Yubikey 5 nfc review