Adding a second factor
Even with key-only auth, a stolen private key (laptop theft, agent forwarding mishap) means an attacker can log in. Two-factor SSH requires both the key and a TOTP code from an authenticator app. Optional but a strong defense for high-value servers.
The flow
Server uses PAM's pam_google_authenticator module. User runs the setup tool, scans the QR code into their authenticator app, gets backup codes (save them!). On future SSH, after key auth, the server asks for the 6-digit verification code. With ssh-agent caching, the key part is automatic; you only type the code.