This is why it’s good to also enroll a hardware key or two if the site/service offers the option. One could for example have a “rescue” YubiKey stuck away in their closet that could be added. MacBooks with Touch ID can also work if you have one of those handy — some sites allow enrolling it via Safari and IIRC Chrome and its myriad clones present Touch ID as a generic key that can be enrolled anywhere WebAuthN is supported.

For extra assurance get a hardware key that supports NFC so it can be used with your phone (and some laptops) even if it can’t be plugged in for some reason.

Multi-pronged 2FA also enables things like being able to remove a key from your account without issue if for example one turns up missing while traveling.