Say it a fourth time if you want to continue feigning ignorance. You’re assuming that the only way your credentials could be compromised is if your password manager it compromised. 2FA would not protect that specific use case if you store both authentication methods in your password manager. However, it does still protect your services from other types of compromises, which is better than no 2FA at all.
Interesting. I’ll take another look this year. USAA actually subcontracts progressive for motorcycle insurance so I also have progressive.