And hope your phone isn't stolen, losing access to your email? That's why I've always avoided two factor authentication -- it's scary enough losing your phone,

And hope your phone isn't stolen, losing access to your email? That's why I've always avoided two factor authentication -- it's scary enough losing your phone, but then you're locked out of your email as well? (Perhaps coloring my perception is that I have a pay-as-you-go phone currently.)