* All photos auto upload to Google photos
* All other important files are in a syncthing folder with at least two other devices (laptop+desktop)
* 2fa in Authy with cloud-sync
* Passwords on Firefox sync
* Google Fi is my carrier, and pulls eSIM when I log in to the app even without my old phone
* Google voice number is my main phone number. I don't lose access to incoming or outgoing sms or voice calls if I lose my phone.
In a pinch, I can buy a cheap prepaid phone and sim while traveling and be fully functional and reachable. I've had to do this before, and while I probably wouldn't go to the trouble for work, I feel compelled to be at least reachable for family.
I've thought about de-googling this further; photos could go straight into syncthing and I could port my # to a generic SIP provider that offers SMS. So far neither have seemed quite worth the trouble.
I've always felt very uncomfortable treating my phone as anything other than a rather overpowered thin-client.
Now the codes are with you and not in your phone or in the cloud.
I personally use Keepass for 2FA, Bitwarden for passwords. It's worked great for me so far, and I expect to stay with this setup for the foreseeable future.