Is using SMS 2FA worse than using no 2FA at all?

For context, there are some financial services I use/want to use that only support SMS or voice 2FA, and I want to avoid using it if possible since SMS is insecure and vulnerable to SIM swapping. Plus, I find it more annoying than email 2FA and especially TOTP 2FA, even ignoring the security benefits. I already use Bitwarden as my password manager and generate strong passwords using it, making sure they are longer for financial services. Should I still use …

2fa privacy sms