I'm still locked out of a 2FA-enabled Dropbox account. I broke my phone while my laptop was undergoing maintenance. Still have a log-in token on the encrypted drive of a laptop whose boot password I've since forgotten...
I once left my bag with both inside. It surfaced in city's lost and found two months after, thankfully. But if I had 2FA enabled, it would have been mighty inconvenient.
I keep some Google and Github account recovery codes on a slip of paper with my passport, some more in my wallet, and all in an encrypted file on a server with SSH access.
Hopefully that's enough that I'm not too inconvenienced, should my phone be stolen.
For holidays (6 weeks per year) plus one or two business trips (up to 2 weeks per year), plus about 1 weekend a month.
But does it matter?
Should my wallet and phone be stolen whilst I'm away, I can log in to my server using SSH (and a long password), then decrypt a file containing the backup codes (PGP with a long passphrase). Then I can access GMail/Github.