The claim was that fido protocol is better than totp protocol no matter where you store keys. Your claim is that hardware key storage is difficult, but it doesn

The claim was that fido protocol is better than totp protocol no matter where you store keys. Your claim is that hardware key storage is difficult, but it doesn't differentiate between protocols: if you lost a device with hardware totp keys, you're not in a better position than if you lost a device with hardware fido keys.