Installed Steam on a new computer. Signed in. It sent a passcode to my GMail. I signed into GMail. It wanted me to 2FA because I hadn't signed into Google on that device. It sent a notification to my phone, which I never received. I had it resend the notification twice, still nothing. Tried again with my phone's offline passcodes. Neither worked. Tried the QR code/Bluetooth connection, and that finally did it.
At least I got through in the end, but fuck, it's annoying.
Where possible, I add as many factors as I can to the 2fa process, so when I'm logging into something, I can choose between either a notification to my phone, TOTP which I have stored on multiple devices, or a physical security key.
If I lose any of them, it doesn't prevent me from accessing my accounts, nor will I have to worry about anything being compromised as whoever finds my phone, or my USB key would also have to know both that it belongs to me, and what my passwords are... Which unless I'm being specifically targeted, is highly unlikely.