We need U2F with pin: most people fear the near threat; pushing them to only defend against far threat difficult.
Safer=from distant threats. Less safe=against ex/[g|b]f who installed keylogger on your laptop, now has your U2F.
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I want 2.5FA; password (worth very little); and a separate object (U2F) with a pin (that can't be keylogged).
End of conversation
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