There is a third option: Write down or save most of your password in a password manager. Add a secret prefix or suffix string to this password from memory whe

There is a third option: Write down or save most of your password in a password manager. Add a secret prefix or suffix string to this password from memory when logging in. This effectively gives you MFA. Something you have, something you know. Every login gets a different password (that you don't have to remember) yet nobody knows the real password even if the password manager or piece of paper is compromised.