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It really depends what threat you're trying to guard against. For instance, I do use a password manager plus 2FA for all my online accounts, but I unlock both my computer and my phone with biometrics. That's good enough for me because I'm a fairly well-off cis het white man in a relatively safe and civilised country, I'm not likely to be persecuted/hurt/arrested/killed just for existing,. so really all I'm guarding against in securing my technology is crooks, and biometrics plus a password manager and 2FA is easily good enough to guard against them. If on the other hand you're in a dangerous country (Russia, United States, etc), or you're a member of a group that is typically at risk from government authorities (e.g. you're black, gay, trans etc) then your threat model is likely different.