I think the question is not, should you use SSH as a makeshift VPN, as that answer is more obviously "probably not". The harder question is, is it better to VPN in before connecting to SSH, and present MFA at the VPN and SFA at the server, or is it better to expose SSH directly and perform full MFA directly at the SSH endpoint?
What do you trust more, OpenVPN with a port forward to an SSH server behind it, or a directly exposed SSH agent? Which will properly authenticate users without exposing any possible auth bypass, RCE, DoS, side channels, or potential vulnerabilities?
In general it's best if you can assume a perimeter firewall (i.e. VPN) will not always succeed in keeping the bad packets out. Of course it's a cop out to simply say "do both".
In general if you are managing a larger number of servers, it's not practical to MFA to each one individually / interactively. So you are forced to MFA to the border, and SFA to the individual servers. If you have a small number of servers you may find you get more fine-grain control, better auditing, and fewer points of failure to do something like this article suggests -- skip the OpenVPN and implement fully server-side validated MFA directly to the server.
The ultra-paranoid would add an HMAC based port-knocking scheme and forget about primitives like fail2ban. This could either be based on a 3rd factor or reusing the existing private key.