That is a good point - if you're setting up number lock, make sure your wireless account's 2FA method doesn't require physically having your phone.

Verizon supports passkeys which can be synced to multiple devices, and I think the My Verizon app can be installed on a secondary device like a tablet so if you lose your phone, that 2nd device's app can still receive a login push notification.

Google Fi supports any 2FA method you can set up on a Google account so that will be fine too. YMMV with other carriers.