Good post. Regarding 2FA, I'm curious on what one can do if you lose your phone? I used to have 2FA in all my crypto exchange accounts but I recently disabled them for fear of losing or smashing my phone and be totally locked out of my accounts. i'm sure there's a way to recover your access but i would think it takes several days. i dont want to miss any trading opportunities!
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2FA google authenticator actually uses a seed value to generate the 2fa. If you write those down and treat them like bitcoin private keys, you will be able to recover from a lost or broken phone.
SMS If you keep the same phone number while changing phones then the messages would simply go to your new phone.