Not comfort, but threat model. Nation state actors have the resources to destroy me. Defending fully against them is cost prohibitive. I'll take basic actions

Not comfort, but threat model. Nation state actors have the resources to destroy me. Defending fully against them is cost prohibitive. I'll take basic actions to make it more expensive though. My threat model is much less well resources actors who would happily sim-swap or password-stuff, etc, and there a ubikey is enough to foil those attacks. I have locks on my doors to prevent random teenagers and miscreants from walking in, not to prevent people motivated enough to pick the locks, break a window, or go through a wall.