Technology

Yes, you can have multiple devices with the same seed for the pseudorandom number generator. You can turn any computer into a hardware authenticator. In practice, it depends on the bank or your employer. Google reduced phishing success rate to zero after switching to ubikey.

As for perception, you really nailed it. It's more important than actual difficulty of gaining access to your accounts. Remember that most articles are written by low skill blue teamers who manipulate your perception into thinking it's really easy while they don't possess the skills to do it. Always call them out in a manner like "you claim it's easy, have you done it?". They will always say no.