> If external authenticators work for you, physical keys (like Yubikey, Solokey etc.) are arguably self-hosted!
Yes. And this is what I do with all my personal stuff (though I use the GPG mode on the yubikey, not Fido2). But, because a passkey can be backed up, websites targeting mainly passkeys will be likely to offer only a single authenticator to be enrolled. Of course with hardware authenticators that is not going to work. Lose that one and you're screwed. This is why multi-authenticator support is so important.
> For on-device passkeys, at least Android is preparing an API for this
Thanks, I'll have a look at that. I'd want it on the PC too though (BSD). But anyway, hopefully it will come. I never really looked at it, as for now the website acceptance part is still so low that it didn't matter anyway. For the ones I use regularly, only Office 365 supports it. I'm not interested in the old FIDO MFA mode, only full passwordless will do.
> Firefox (which unfortunately has been quite slow to adopt all aspects of WebAuthN).
Yes, this is really a PITA now. They really don't seem to give a ***, they only offer CTAP2 (full FIDO2 + PIN) mode on Windows. Still not working on Mac, Linux, BSD... It's been in this sorry state for years now.
> In principle I agree, but some service providers like banks are legally liable for fraud losses (at least in some jurisdictions). I'd say they do have a legitimate interest of being able to verify which authenticators they trust.
Banks here already use their own authenticators which they provide anyway, but yeah that's a point. Many other sites shouldn't be able to make such decisions though, IMO.
PS: I'm not sure why you are being downvoted, I really appreciated your insightful comment. Especially about the Android option I wasn't aware of.