I'm curious what problems physical tokens have that don't have easy workarounds. I have a Yubikey on my keychain with home/vehicle keys that supports USB and NF

I'm curious what problems physical tokens have that don't have easy workarounds. I have a Yubikey on my keychain with home/vehicle keys that supports USB and NFC (so it works with my phone). For work, I use that as a backup. For personal use, I just leave a cheap Feitian plugged into my desktop. For work, I just leave a slim USB-C plugged into my laptop all the time (if the laptop gets stolen, they still need the first/password factor) In addition, emergency recovery codes just get copied to a note in my password manager. You don't need to lock recovery codes in a safe--they're only 1 of the two factors. You just need to make sure you don't store them in the same place as the other factor (or, if you do, that place is protected with multiple factors)