I've been meaning to get a crypto only laptop setup however it's proven difficult as I'm not disciplined enough to only login from one computer lol.
In terms of being locked out are you using Google Authenticator? I am as well and I forgot to backup my seed from Google when I created it and you can never recover it after that. I've also had a few scares with losing my phone or having my phone not turn on momentarily.
One of these days my plan is to login to all my accounts at once, turn off 2FA briefly, erase the app, redownload the app and then set my 2FA backup