I don’t know the “correct” answer, but here’s my answer as someone whose TOTP are split across a YubiKey and Bitwarden: I store TOTP in Bitwarden when the 2FA is required and I just want it to shut up. My Vault is already secured with a passphrase and a YubiKey, both of which are required in sequence, and to actually use a cred once the Vault is authenticated, requires a PIN code (assuming the Vault has been unlocked during this run of the browser, otherwise it requires a master password again).
At that point, frankly, I am gaining nearly nothing from external TOTP for most services. If you have access to my Vault, and were able to fill my password from it, I am already so far beyond pwned that it’s not even worth thinking about. My primary goal is now to get the website to stop moaning at me about how badly I need to configure TOTP (and maybe won’t let me use the service until I do). If it’s truly so critical I MUST have another level of auth after my Vault, it needs to be a physical security key anyway.
I was begging every site ever to let me use TOTP a decade ago, and it was still rare. Oh the irony that I now mostly want sites to stop bugging me for multiple factors again.
At that point, frankly, I am gaining nearly nothing from external TOTP for most services. If you have access to my Vault, and were able to fill my password from it, I am already so far beyond pwned that it’s not even worth thinking about. My primary goal is now to get the website to stop moaning at me about how badly I need to configure TOTP (and maybe won’t let me use the service until I do). If it’s truly so critical I MUST have another level of auth after my Vault, it needs to be a physical security key anyway.
I was begging every site ever to let me use TOTP a decade ago, and it was still rare. Oh the irony that I now mostly want sites to stop bugging me for multiple factors again.