My job uses a Yubikey, authenticator, and more than 6 passwords, one of which for some damn reason at random points in a day thinks I'm on a seperate machine and forces me to get a verification code in my email. On top of that, one password resets every 3mo, another at 3 weeks, and the others are like every 8mo. All remember past passwords, will not allow any variation or similarity (you had a twelve char password with a number at the end in 2021, try another). It is a damn struggle creating a new password 12 years in now.