Not so sure, for me I am going to forget to have the hardware device. I will probably lose it. I will forget to take it with me and then can't access things mob

Not so sure, for me I am going to forget to have the hardware device. I will probably lose it. I will forget to take it with me and then can't access things mobile. Or will take it out with me and lose it. Have enough stuff to keep track of! I would use hardware for some occasional use logins though. Why is TOTP not much better than SMS? Someone can take over your phone contract to get those SMS messages by sweet talking your telco, but for TOTP they need to get hold of my device or get some malware onto my phone.