Lots of good answers, but the ultimate point is that you can lose work time, and that is an accepted part of the trade off. If I lose my Yubikey(s) my employer

Lots of good answers, but the ultimate point is that you can lose work time, and that is an accepted part of the trade off. If I lose my Yubikey(s) my employer will pay me to wait until a replacement arrives because the security is worth that cost.