By "emergency sheet" are you suggesting writing the access-to-everything password down somewhere? If so I'm hard pressed to think of many things less secure. If not I'm genuinely curious what it is.

I can't imagine a scenario in which I wouldn't have backups, but I appreciate the mention.

I also am generally not concerned with someone pickpocketing my house keys, but that's not to say it isn't a possibility. Awareness is the first step to mitigation.

Email has to be the most protected, I absolutely agree. But I definitely wouldn't be comfortable with the possibility of needing to reset everything else if I lost my master password. But I don't know that I'm more comfortable with the ability to reset. It really kinda feels lose-lose to me.

I don't think we'll move to passkeys any quicker or easier than we moved to 2FA. I'm glad we're getting better options but we're bound by the weakest links and they don't like change.

Thanks for the answers