I found manually entering the TOTP code every time I wanted to login kind of annoying. Then at some point I ordered two YubiKeys and set up U2F. Now entering the second factor is just one button press on the YubyKey. Of course this has the disadvantage that if you don’t have your YubiKey with you, then you can’t log in. But since I mainly need Nextcloud as a backend for the Android app and for syncing my calendar when I’m on the road, that’s not really an issue. And if you always have the second YubiKey on your keychain, it’s a non-issue anyways.