It's pretty easy to add 2FA with almost no detectable increase in the risk of losing one's account.
Pick TOTP as your 2FA method and save the TOTP secret, which you can get on the TOTP setup page at Github by clicking the thing that says you want to use a text code instead of scanning a QR code.
It will give you a short text string. Save that string.
When you need the TOTP code for Github, use oathtool [1] or something similar. For oathtool:
oathtool --totp -b <aforementioned_string>
will give you the current TOTP code. The -b flag tells it the code is in base32. I think that is what Gitgub uses. If they use hex omit -b.
[1] https://www.nongnu.org/oath-toolkit/oathtool.1.html