I deal with relatively higher volumes of information that must remain secure.
With google, I have hardware authentication device and 10 codes.
Every 30 days or so it asks me to plug in the hardware device. Randomly it asks me more often - I have no idea why but no objection. My password is secure as well and only used on google but THANKFULLY I do not need to change it all the time and so I don't have to write it down. This feels like a reasonably secure approach.
No SMS text option. The idea that your phone number is the key that allows you to reset all your passwords (no matter how complicated / securing no matter how much sensitive info) is ridiculous.