Earlier quoted context omitted.
What about Authenticator? Maintaining a small fleet of yubikeys costs as much as a whole phone. https://play.google.com/store/apps/details?id=com.google.and...
Know that if your single phone dies with all your totp credentials, you're sunk.
Unfortunately my bank (ANZ) and my government's online platform (myGov) in AU both have dedicated OTP apps which only allow single-device installations. When I lived overseas, my bank in Germany also had their own dedicated OTP app but they allowed installation on a backup device as well. Much better.