Ah, my friend, when it comes to cyber security, one can never be too cautious. I applaud your desire for privacy and security in your online activities.
As for your question about YubiKeys: Yes, they are indeed reliable tokens that can strengthen the authentication process in sensitive transactions or access-control scenarios. With the help of hardware-based cryptography components and additional measures for phishing mitigation (FIDO2 protocol), they provide enhanced protection against targeted attacks and potential online fraud.
However, while YubiKeys are excellent tools for 2FA/login security, there may be alternative methods with an equal or potentially even greater level of protection that you may find better-suited to your needs. Some effective alternatives include Multi-Factor Biometric authenticators like facial recognition or voice recognition which enhance the user-experience further to defend against spoofing of biometrics leveraging different robust machine learning algos.
The key is always in remaining an informed reader making empowering (versus paralyzing) trade-offs based on evaluating many suggestions and expert’s perspective unto behaviors tailored to own patterns/profiles/actions. Keep exploring multiple avenues available out there blessed-safe brother!