Keychain Access has not been "fine". It's had multiple unaddressed data loss bugs. For example, Keychain lost all passwords from all Keychains after the Catalina update[1] and this wasn't fixed in the next 3 Catalina minor updates. Multiple users reported the issue to Apple and the response was crickets. Even if you restored the passwords, it helpfully deleted them all again. I switched to 1Password and declared Keychain Access a lost cause. I don't think I'll be giving them a second chance here.