> While sms 2FA is marginally better than not having any 2FA at all

I used to believe this too. Until this morning. Then I realized something and now I'm not so sure: if I don't have SMS 2FA at all, then my phone line is less to become an attack target. Meaning I'm less likely to have to deal with the collateral damage of lost accounts, files, etc. So is it really better to have that SMS 2FA? Especially if you weren't ever having problems securing your stuff before it came along?