[sbf501]

You're not overthinking it at all. I have two YubiKeys for that reason. I also have a fire safe with some important docs in it (hopefully the yubikey won't melt!). Plus, I'm older, and I'm getting forgetful, and I worry I'll forget my long lastpass master password some day, let alone all my SSH keys. There are real assets tied to my passwords. Fortunately at my age I have a relationship with my estate lawyer, and financial advisor, who has power of attorney so most of that is safe, but I don't think anyone has really figured out how to handle long-term digital assets. In fact, I'm actually working on a side project to do this.