As a general rule, I expect a file on an encrypted disk to be unreadable for anyone who lacks the encryption key(s).
> if I need to obtain some other thing from the original computer to "unlock" that file, I should be able to do it.
You can export your passwords to a plain text CSV from the original computer.
Your average non-technical user will absolutely expect it to work this way, and if it doesn't, will be at best confused, and at worst incredibly angry that their photos are gone.
BitLocker does the same with key protectors. Even on a local account with no internet, there's always a 48-digit recovery password that opens the volume on a completely different machine.
Two of the three major platforms ship a portable passphrase path alongside the hardware one, so this being unavailable here is a product decision, not a law of key derivation.
Exporting a private key from a keychain is hard to automate (the password of the keychain is asked for all exports, and HAS to be typed manually IIRC).