TFA that requires a real-time secondary authentication is inherently safer than any method that relies solely on a single factor or physical possession of a key or fob.
Personal Vault used to have a required TFA step.
The potential for someone to physically possess one of my computer devices and or my PIN is certainly within the realm of possibility.
The potential for some to possess the above AND to have my smart phone + the authentication to my phone is a magnitude less likely.
I started with a trial subscription, determined that it met my requirements and purchased an annual family subscription.
The TFA requirement changes the fundamental decision for my purchase.