It also goes without saying that you should keep in on while showering and sleeping too, you never know when your hotel could catch on fire.
You'll need to first avoid succumbing to smoke inhalation or flames if you don't get out in time (or cause someone else to not get out because your fumbling).
The take-offs and landings (and perhaps add approach) phases of flight constitute ~5% of flight time, but the vast majority of the fatalities:
* https://flightsafety.org/asw-article/loc-i-accidents-led-oth...
But the whole point of all those procedures about turning stuff off and putting things is away is situations like this: you may or may not have time to think, and you may or may not have to deal with smoke or flames. And just because there weren't smoke/flames right at that moment, you can't tell if they would arrive "soon": planes have been completely engulfed in fire with-in 90 seconds in the past.
The idea behind suggesting a fanny pack, and perhaps having all your cards and papers (and medicine) on your person, is so that if such a thing should happen you do not have to think to make sure you have what you need. So that in a panic you already have it with you if you get out just by the fact you got out and it was physically attached to you.
Your points are well reasoned—and I believe well-intentioned—and I should’ve done better. I apologise.