The slogan is "something you know and something you have", right?
I don't have strong opinions about making it mandatory, but I turned on 2FA for all accounts of importance years ago. I use a password manager, which means everything I "know" could conceivably get popped with one exploit.
It's not that much friction to pull out (or find) my phone and authenticate. It only gets annoying when I switch phones, but I have a habit of only doing that every four years or so.
You sound like you know what you're doing, that's fine, but I don't think it's true that MFA doesn't add security on average.
I don't have strong opinions about making it mandatory, but I turned on 2FA for all accounts of importance years ago. I use a password manager, which means everything I "know" could conceivably get popped with one exploit.
It's not that much friction to pull out (or find) my phone and authenticate. It only gets annoying when I switch phones, but I have a habit of only doing that every four years or so.
You sound like you know what you're doing, that's fine, but I don't think it's true that MFA doesn't add security on average.