Safer=from distant threats. Less safe=against ex/[g|b]f who installed keylogger on your laptop, now has your U2F.
I want 2.5FA; password (worth very little); and a separate object (U2F) with a pin (that can't be keylogged).
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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).