Keepass and Authy have rendundancy built in (and Big Brother does not type anything for you - as a matter of fact they are offline), sure it requires a bit of due diligence on the users part. The possible horrors that can be inflicted when any of your accounts get compromised should scare you way more than anything else... especially email - it's a goldmine for the nasty people out there...
Yubikeys are my next step - but I need 2 or 3 for redundancy. If you only have 1 and you lose it you are pretty much locked out.
I hear you, not my place to preach, it just makes me personally sleep a little better at night...