I was pretty paranoid about moving to 2FA for my personal account due to fears about getting locked out, but finally decided to take the plunge when I got a yubi for my work & realized I could also add my personal account to it. The nice thing about the Yubi is that decreases the chances you'll be locked out, because (if you're using it for a Google account, then) you still have a phone app, like Google Authenticator, that you can use to authenticate. And you've still got backup codes. And I also have two keys.