Im not terribly familiar with the HW keys; Are you able to get multiple keys? I would worry that it would be similar to TOTP, in that if you lose/misplace/don’t have the device then you would be locked out.
And I probably wouldn’t switch banks for it, it would depend on how much more secure I perceived it and any other bank differences.
I really like Symfonium. I’ll second giving it a check.
I love using it for Navidrome & offline caching, and it’s nice because it does offer some casting capabilities internally.