Earlier quoted context omitted.
I use a yubikey with x509 cert and PIN for local auth to my Mac, and I use it for FIDO2 MFA everywhere that supports it, which includes my email account. That makes my email credentials radically more resistant to phishing, which is huge given that email is part of the recovery story for every other account. If those aren’t enough, I guess yubikeys aren’t the right call for your threat model, which is fine.
I'd love to have that setup. The only problem is insufficiently mature support for the devices I use, Linux and Android. As I mentioned in an edit Yubikey local auth on Linux relies on a personal GitHub project abandoned years ago.
Want local authentication? pam_u2f, pam_gpg, pam_x509 are all maintained.