No. phising sms/totp tokens works the same as normal phising. You need U2F to protect against phising.
The complex attack you are probably thinking of is sim swapping which is a bit different than phising.
The complex attack you are probably thinking of is sim swapping which is a bit different than phising.
Of course, if you're a high-value target or work for a company that's likely to be targeted by spear-phishing campaigns, you should be using FIDO2. (Don't target U2F, as there are newer, backward-compatible specifications.)