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If I lose my phone I get a replacement simcard from my provider in a day or two, and SMS continues to work

If I lose my phone I've lost all my various OTP authenticator apps - I don't think they are backed up to icloud



You should be able to back up your OTP generator codes, I have mine in KeepassXC and on my phone.

Note as well that you really don't want to rely on SMS if travelling internationally, which is a use case I hit reasonably frequently.




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