@shortridge This is such a great point. My "if I die" document for my wife has like three full pages just about tech stuff. It's almost a parallel will, which seems ridiculous but given the centrality of tech to our world. . . .
I struggle with the 2FA stuff. For an average person without a crypto wallet or something, SMS is probably just fine and seems more durable. That said, I recently read this horror story (https://arstechnica.com/tech-policy/2024/01/meta-verification-proved-useless-and-my-family-is-still-locked-out-of-instagram/) where the SMS failed.
For immediate family, I've settled on OTPs stored in Vaultwarden, which I know reduces security a bit (since the secret is stored in multiple places), but it's still pretty secure, and more importantly, it's backed up. For non-immediate family, though, I'm with you: SMS is safer.