You can force auth on hardware passkeys for every activation. A sort of local password. Much more secure, also if somebody is in possession of your passkey and you didn't just loose it somewhere you would be fucked anyways.

I have three, one for home, one for backup, and one for travel. I can See why ppl. Are annoyed by that, but speaking of costs, you can get these starting from ~20 Dollars. Additionally, passkeys could and should replace passwords and not EB generally used as 2FA.

Also many password managers (incl. FOSS) do support Passkeys, but having them in your password manager makes them arguably useless. Same if you use 2FA on your phone and a password manager and your phone gets compromised somehow.