that’s like calling strong randomly generated passwords 1.5FA.

with proper MFA, even if you steal my password (database), you won’t be able to steal my account, as you’re missing the second factor. with classic otp this is just a single use number you enter on the potentially compromised system, but if you get the seed (secret) stolen, valid numbers can be generated continuously.

password managers (should) protect against reuse. MFA protects against logins on untrusted and potentially compromised systems/keyloggers if they’re not extracted live. password managers with auto fill and phishing resistant MFA can prevent phising, although the password manager variant is still easily bypassed when the user isn’t paying enough attention, as it’s not even that uncommon for login domains to change. obviously there are also other risks on compromised devices, like session cookie exfiltration, and there is a lot of bullshit info around from websites, especially the ones harvesting phone numbers while claiming to require it for 2FA just to gaslight users.

FreeOTP/FreeOTP+

depending on your goal for this (real 2fa vs just simulated) you shouldn’t have sync in the first place.

you could also look into security keys (hardware solution, webauthn/FIDO2) as an alternative that has strong security with good user experience (no typing anymore), but they’re not as widely accepted.

that’s why you always look at renewal prices and never first year prices. tld-list.com has a good comparison.