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> It's okay but I don't take it with me.

Sounds like that is the problem? I have mine on my keyring. (and have a backup in a safe.)

> would never tie my MFA to a hardware dongle that is likely not to be on my person when I need it.

The solution is to have it with you.

The problem is that you need at least hardware tokens, one on you and one in a safe place as a backup. And I can't justify the cost of that.

I wasn't able to justify the potential cost of not having them.