Please give MFA another look, it really is better security to use it.
The problems you mentioned: you keep the MFA backups in a password manager.
I know you’re worried about losing access to that password manager, use two different ones, write down your most important several passwords in a locked place, etc. it’s better.
Yah me too, for my small company per seat pricing is really painful. For some services we just have one account and share access; only one person logs in at a time and tells everyone else when they’re done.