[rstuart4133]

There is some serious thought going into Bitwarden.

For example, what happens if I get hit by a bus? Oh, they've already thought of that: https://bitwarden.com/help/article/emergency-access/

The peculiar problems faced by families, work organisations, 2fa - they've put some time into thing about every sub-problem I've come up with.

Well, just about everything. I'd love if they would let me run my own read only backup servers - ie, a server that mirrors my data stored on theirs, that my device will connect to if theirs isn't up, and that supports a read only version of the web interface.