@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 (arstechnica.com/tech-policy/20) 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.