@schizanon I struggled with this a lot. I wanted to be able to recover my digital life if itโs just me, standing alone, with none of my worldly possessions (house fire, luggage stolen, whatever).
Ultimately that means cloud. No way around it.
I minimized my risk by using a file-based password manager, and a separately also encrypted e2e sync service. Only I know the password to the file, but a close friend can help me get back into the sync service. (1/2)
The main risk vector would be a malicious payload to the password manager or other software on my computer. (2/2)