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I don't think you're crazy.

But I also think that I would trust eg apache/nginx basic auth, more than login/session handling at the application level (php/ruby/... with users in a db).

Assume at least one user has a dictionary password, and suddenly you'll want to enforce 2fa via otp or similar - for peace of mind.

As a general rule, I tend to assume a targeted attack will succeed (no reason to make that too easy, though) - what I aim to avoid are the bots.

They'll likely be brute forcing passwords, blindly trying sql injection - along with a few off the shelf exploits for various popular applications (eg: php forum software).




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