[jaymzcampbell]

It's not an answer to this, but tangentially related as we had a similar conversation at work very recently. Not many people know about Google and Apple's inactive account manager setup (https://support.google.com/accounts/answer/3036546?hl=en). If you've not already done this I'd highly recommend adding your spouse/kin/best mate etc as a contact. I set this up to transfer over access to my Google Drive to my wife if I've been inactive for some period. We have separate offline docs around keys and access, but if the worst happened, then eventually she'll get a message with instructions on decrypting and accessing the critical info she needs. A lot of my (tech savvy) co-workers had no idea this was a thing.