I have a YubiKey that I use for work, and I love using it. But I won't get one for my personal life.
I've been thinking about this for some time now, but I ultimately don't think the benefits outweigh the hassle of always carrying around another device that I risk losing or breaking.
A Yubikey provides a very good second factor, but so does my phone. My phone, just like a Yubikey, is locked behind a third factor (a pin or biometric sensor), so my phone essentially is a Yubikey. You can argue that the authenticator app on my phone (bitwarden) can be hacked, but I'm willing to take that risk if it means I have to reset all security measures on all accounts if I lose the key.
So, I'm not getting a Yubikey.
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This is post 058 of #100DaysToOffload.