[gen220]

Trusting a company with your most valuable long-term data (passwords, medical/family records, etc.) is a losing game on a long enough time horizon (5 years, let alone 15 or 25).

You can arbitrage by trying to choose more than one. But IMO, the most robust solution is to make your data "dumb" and commoditize the storage layer.

With something like pass, I have my passwords physically located on all my devices, encrypted at-rest. Plus, I have a backup on a home server that can be regularly backed up to any commodity storage provider (backblaze, aws, whatever).

With this, you'd need to both lose (1) all your devices (2) internet access to those devices. This kind of thing is a bit predictable, and can be mitigated.

With a managed secret-manager service, mere corporate shenanigans or internet connectivity problems can take them away from you! Those are less predictable, and the only mitigation is to move to a service that doesn't have these problems.