How often do your change your passwords? Assuming they are decently long and all that, why would you change them at all other than when a site gets breached?

The only reason my Keepass database changes is because I make new accounts on sites every now and then, and that's a fairly rare thing these days. And if I get so ungodly unlucky that my house burns down before my off-site database is updated to have that new account listed, I'll still have access to the email that account is associated with, so I can still recover the account either way.