Foreigner Singapore 2FA

I'm keen on two factor authentication (2FA) to improve account security. I use Google Authenticator and I must have ported over about 10 accounts to it.
So when Singapore government online identity system "Singpass" announced they are making 2FA mandatory, I was fine with it.
But after looking into it and effectively being locked out my account since I was not registered by a deadline, I have a bitter taste in my mouth about it.
There is so much confusing information online. This is what I wish I knew as Employment Pass (EP) holder.
- Auto-registration is not actually automatic
- Auto-registration is put through by your employer
- You must be mailed a PIN
- The address will be your employers office and that can lead to confusion
- SMS is just part of the process
- Once you register you have a "NAF" which IIUC is a identity provider for Singpass, so it's kindof confusing with two accounts
To conclude my registration issues came down to my PIN not being issued to me. I switched jobs in June and I think that may have caused the confusion over a period of a month.
So once registering with 2FA and logging in a "OTP" is sent over SMS. My number was correct at the beginning of the process so I am not quite sure what were the merits of going through this error prone PIN mailer process.

I believe you can upgrade for 10 or 20 dollars to a physical token instead of receiving an insecure SMS which obviously will never work when abroad, but I'm really not motivated to upgrade. Especially when I know virtual 2FA via Google Authenticator is the sane way to do it.
All & all a very poor experience with Singapore's Government Technology Agency (GovTech).