Not an idiot :) You make a good point that people don't have their phones on them & alive all the time which is where totp can come in with dongle totp's (like http://www.securemetric.com/secureotp-time.php) agreed it costs you a fair amount but if you want secure when you don't have your phone... it's worth it. And then maybe like google have a few longer random passwords that are to use when you don't have your phone or a TOTP/OTP generator.