Do you have a VPN? A PGP key? 2 factor authentication?

[politicat]

6. Good news -- LastPass is great for that. Bad news... it's never fun to lose a device.

Here's a GREAT walk through on the basics: http://lifehacker.com/what-do-i-do-if-i-use-two-factor-authentication-and-los-1668727532

Having your single use codes in a secure place helps a lot. You can even put them in a safe deposit box or save them to a text file that you store on a USB drive/memory card that you never, ever use for anything else. But if in spite of all best efforts everything goes sideways and you don't have backups... you make a call and it takes a few days to work it out with your provider.

You know your issues better than I do, so you can make this cost-benefit better than I can:
-- how often do you lose phones? (For me, I've never lost one, never had one stolen.)
-- How often do your phones get irreparably borked? (For me, that happened once on a Nokia smartphone, once on an Android phone, never on my iphones.)
-- How often do yours go for the final swim?
-- How's your backup strategy?
If you can answer those questions with very rarely or never, then you're better off with two factor than without it. If you answer often or all the time to those, then we might be looking at bigger issues than security, and perhaps you're a good candidate for a nothing but burners strategy.