If I lose my phone I have no totp access or sms access
replyI walk to the local phone shop and get a replacement sim for my number with a few of bits of ID and I regain sms access. Totp access is gone forever.
It’s clearly not worse that totp in every way.
I suggest exporting your password manager && your topt keychain onto an encrypted flash drive. I went through the horrors of having a phone die on me after migrating my topt to a local solution. Having a valid login cookie on bitwarden on my laptop was the only thing that saved me.
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