This has been what stops me from going full webauthn, instead right now I use 3 yubikeys with pass (password store) and encrypt with 3 separate gpg keys (one private key stored on each yubikey), I haven't touched one of the yubikeys in a year but I know that if I lose the other two it can still decrypt my passwords.

The disadvantage here is obviously it's just another password manager instead of taking full advantage of hardware tokens, but I want to be able to enroll passwords or tokens without the key present all the time. (Also, yubikeys have limited slots for keys)