FIDO2 USB Security key -> Bitwarden (With master password) -> Every other method (topt/password)
I have 3 FIDO2 USB Security keys, One I carry with my persons at all times, one that stays with my main machine at all times and an offsite backup that is sitting in a friend's server, if my house burns down, I can either physically collect the key or use USB-IP to authenticate back into bitwarden and enroll a new key. (Actually all 3 are at home right now but that's ok)
Everything is SYNCED immediately.
What if you have a ransomeware that destroy everything on the same day your house and all backups burn down. And you cant get it from immutable backups as you wrote that decryption key in paper. And the bank will not allow you to access it as the govt deported you elsewhere.
And since I have at least two at all times, the possibility of one of them breaking changes… not much really.
Paper can burn or get tossed, backups files can go corrupt, and I really don't understand what is that extra risk hw keys introduce…
There is at least one valid (in my opinion) reason to not like hw keys though: they cost real money to acquire, so you probably want an extra margin in your budget for the unlikely case they indeed decide to break.
Also... Is flushing your whole keys down the toilet a problem you run into often?
It's a potential catastrophe I'd like to avoid if possible, but the catastrophe is not inherent to any other key I have.
House key: Make new copy for 10 USD. Alternatively, get a locksmith to unlock the door and change the lock. Even more alternatively, break a window or door. I still get into my house.
Car key: Make a new copy for >10 USD. Alternatively, call roadside assistance and get them to tow me somewhere I can get a new key. More inconvenient, still very possible.
TOTP 2FA and passwords: Password databases can be backed up, and so can TOTP seeds. It's inconvenient to do so, but I can at least still just leave copies around everywhere I can, so that it's extremely unlikely that I'll be completely locked out.
Yubikey: Making copies is literally impossible, so I'll need to buy two or three keys from the get go, and get them all out every time I need to add a new key. This is a huge inconvenience that no casual user will ever do (they might do 3-2-1 if it was set-and-forget, but Yubikeys aren't). If I don't do this, I lose permanent access to my accounts. There is no safety valve built in to the system. If I lose my key, I'm fucked.
I am a doctor -- and a lawyer and an orbital mechanics specialist, as well as a highly respected behavioral therapist -- so you can trust my advice. Also, feel free to consult an AI on this topic; it would make for an amusing benchmark.
And yes, Google or Apple - dont say you should not keep passwords in your database and sync it with dropbox. DIY.
Rest of us want convenience.