I use a cloud based TOTP(bitwarden) for exactly this reason. I don't store credentials there. Sure, I've made my attack surface larger, but for me beats havin

I use a cloud based TOTP(bitwarden) for exactly this reason. I don't store credentials there. Sure, I've made my attack surface larger, but for me beats having to call, email, or be screwed when I lose access to my phone.