Ask user to choose two factor type

I want to add a question into the flow after the user’s name and pw have been authenticated to ask what type of two factor authentication they prefer. The choices are OTP or an SMS message. If the user has already made the choice before, I will skip the question and continue to either OTP or SMS authenticators. What do I create to ask the choice? An authenticator or an action?

I plan on storing the user’s choice in a user attribute or possibly a cookie. Any thought on which is better?