All too vulnerable.
Because I have my browser set to flush everything on exit, every time I login to outlook online I get 4 login options
1. User face, fingerprint, PIN or security key
2. Approve sign-in with mobile app
3. Use your password
4. Send a code to alternate email.
I can also get a 5th option,
5. Send a code to my cellphone
Essentially, someone only needs one of these things to access my email.
My security is convenience.