You don't need any of that for a mobile phone.
Please do explain. I do a lot of this on the go whether via laptop or via phone, so yeah I do need to use my phone for all of the above. It's actually quicker as everything is locked with a fingerprint whereas on desktop I'd have to type in a long password or if stored in Firefox Sync, then still whip out whatever 2FA method is being used be it app, SMS, email etc etc. It's just faster and simpler and a little more secure via the app.
There is no replacement for contactless payments in stores though. Physical cards max out at £45, there is no limit for Google Pay if I'm buying car parts, or stuff in a store for the places I shop.
You now need a 2FA/MFA app on desktop. I switched mine over to Authy. It has a desktop app so you no longer need to have a phone. That's locked with a master password.
I use the Microsoft 2FA app as I don't trust the longevity of non-first party ones especially with security stuff like account MFA. Also the Microsoft one is linked to my MS account and is necessary for logging into any MS service like Office 365 or account as it relies on the app approval for that method of MFA via direct push notification. Something that wouldn't be possible in Authy in this quick and convenient way.