(E.g., you can find example horror stories here on Hacker News: https://www.google.com/search?q=locked+out+of+gsuite+site%3A...)
It's a good habit to keep multiple interlocking personal email accounts from multiple providers, but being cloud-first is still obviously correct.
Just to be clear, regarding the "being cloud-first is still obviously correct", your stance is that it's ok for your access to your life's work being at the discretion a company? (Presumably one you trust.) Not saying you're wrong here, just curious how people who are all-in on the cloud think about this.