But if the access to the combination of the two requires a separate 2FA (my Yubikey), then it is virtually separated. It is not just one password and you inside Bitwarden. One could argue otherwise, that having a 2FA app on the same phone as your password manager, is also not separate, if the same PIN/biometric gives access to that phone with the two apps on.
The whole point of 2FA is for them to be completely separate.
But if the access to the combination of the two requires a separate 2FA (my Yubikey), then it is virtually separated. It is not just one password and you inside Bitwarden. One could argue otherwise, that having a 2FA app on the same phone as your password manager, is also not separate, if the same PIN/biometric gives access to that phone with the two apps on.