I've waited 10 years for this.

Waited 10 years? Why didn't you just use a yubikey in PIV mode, or the yubikey with gpg, or a smartcard, or… I've been using a yubikey PIV for, hmm… at least 5 years.

Sure, a FIDO key is cheaper.

OpenSSH doesn't do X.509, how would PIV mode or a smartcard help?

Yubikeys work in PIV mode with openssh, it just requires the necessary module and some invocation dance with ssh-agent https://developers.yubico.com/PIV/Guides/SSH_with_PIV_and_PK... or Filippo Valsordas yubikey-agent https://github.com/FiloSottile/yubikey-agent