Re:TOTP tokens on my wrist with the smartest dumb watch
by UncleMeat on Tuesday October 18, 2022 @11:24AM
(#33248744)
SIM swap is real but rare, since it cannot be automated. It is also largely defeated by having a strong and unique password, assuming that your provider doesn’t use SMS as a single factor password reset option.
If you’ve got a strong and unique password then your primary concern should be phishing, which is the same for sms and totp.
It's still massively better than SMS-bases 2FA. Those vulnerabilities you list are all things that involve you or your device. You can take care to avoid them.
With SMS there are also vulnerabilities that don't involve you or your device, such as someone convincing your carrier to transfer your phone number to them.