For the second SIM option, that requires a dual-SIM device, which are still fairly niche in the US.
When it comes to VOIP numbers, unfortunately, many sites look up phone numbers and block VOIP providers, which sucks because Android still has no good way of sending/receiving carrier texts on the desktop (and before someone suggests the Google Messages web interface, it "forgets" my device too often for me to take it seriously). Occasionally, this can create a catch 22, where the VOIP blocking is implemented after the fact and prevents you from ever using the account again because the VOIP blocking was also implemented on the SMS 2FA.
And then there's services which don't even bother to check if they can actually reach a number before accepting it. Harris Teeter pharmacies, for example, will happily accept a VOIP number, but their system is unable to call or text VOIP numbers, so you never get your prescription notices. (And I'd bet this applies to all Kroger brands since they share a lot of systems.)