I only use KeypassXC. I only browse sites from workstations. The database gets backed up. That backup is replicated and also off site where no icky cloud can touch it. No 2FA involved. Disks use encryption with a long passphrase and no encryption headers. Disks are in lock boxes with biohazard stickers and logos for gain of function viral experiments. There may or may not be cheap pipettes and duct tape included.

I have two pieces of identical papers for recovery, stored in a safe at home with code that sits inside my head, and the other is in a safe/locker provided by the bank, that family could open too if needed. Most of my and my families passwords are stored in the password manager, and the way of recovering access to it is what's written on the papers.

If service providers work, they should disable 2FA and we rely on our memory, hopefully!