And their actions impact far more than just my own account. Is it inconvenient? Yes. Does it work? Yes. Is it perfect? No, absolutely not but it is a useful layer in the cake.
After all, workers are mostly working in an access-controlled office or their private home; and your endpoint protection will be ensuring they're connecting from a company-issued laptop and that they have screen lock on a timer and a strong password.
I'm already validating something-they-know (FDE password) and something-they-know (OS password) and something-they-know (SSO system password) and something-they-have (company laptop). And once a day I'm validating another something-they-have (TOTP code/Yubikey).
Asking people to provide the second something-they-have several times a day seems like security theatre to me.