Honestly.... This is why I have everything in Bitwarden. All 2FA runs through it so even if my phone got stolen, I could still access everything. I honestly don't understand why more people don't pay the $10 a year and just use Bitwarden.
Having your passwords and 2FA with the same provider carries some risk. If someone can access your Bitwarden account they will have full access to all your accounts.
FIDO2 USB Security key -> Bitwarden (With master password) -> Every other 2FA method
I have 3 FIDO2 USB Security keys, One I carry with my persons at all times, one that stays with my main machine at all times and an offsite backup that is sitting in a friend's server, if my house burns down, I can either physically collect the key or use USB-IP to authenticate back into bitwarden and enroll a new key. (Actually all 3 are at home right now but that's ok)
My phone is logged into Bitwarden so even then I can recover my passwords and data in case of a serious incident immediately.
Even if both my house and my friend's house burn down at the same time, I can still recover my data from my phone unless my phone is left in the house, all of which to say I still have the recovery phrase written down in a box somewhere in a different country