For those machines, yeah, but I have this fear, of being somewhere and my digital connection is broken. My phone/laptop/everything is stolen/lost/destroyed, and I have to break back in to my digital life. 2 factor authentication screws you if you don't have the second factor because you got mugged. So there might be a server out there that I can ssh into using a username, password, and a memorized IP address, that will get me recovery codes and into my password manager.

By MFA I meant the Yubikey plugged in to my home office Mac; I don’t do sysadmin on the bus.

But I take your point… I try to make sure I print out recovery codes when offered, and keep them hidden in a safe place at home.