I make second factor public, effectively reverting to 1FA.

I work as a Red Teamer, and I heavily disagree with this approach. MFA has been a bane of so many engagements. We usually end up with a lot of credentials from the target company that we can’t really use for anything (unless you already are in the network, where some of Windows services don’t require it), because each one is under MFA.

There’s so many different ways how can you solve the problem of not loosing access to you account. Make offline back-ups of recovery keys, back up your Aegis vault to different places.

Also, you may have a pretty good level of security awarness, highly reducing the risk of any kind of breach happening to you. But that’s something you can only affect to a degree. Supply chain attacks happen, zero days happen. An extension you are using in your browser may get compromised, and someone pushes a info-stealer instead (which has already happened, i.e with Nano Defender). MFA is what will help you in cases like these.