Technology
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Do you memorize all of your passwords? If so, I take that to mean that you don’t use a password manager. Password managers - really, any app with 2FA - have this problem, too. But if you use a password manager and store your 2FA methods in it, then you only need to be able to regain access to your password manager.
If you use a cross-platform password manager with Passkey support, like Bitwarden, you can use it on any of your devices. In the event that you lose all of your devices, if you don’t have an Emergency Contact set up, you will need your password and one of the following to gain access to your account:
If you use security keys for 2FA, then you should have at least two - one that you keep with you and a backup that you keep in a safe place, like at home in a lockbox.
If you use a TOTP app to log in, or if you use security keys and want another backup, then making sure you’ll have access to the Recovery Code should be your priority. You can write it down and keep it in a few different places - at home, in your car, in your locker at work, etc.. You can share it with someone you trust in person or over an encrypted channel (like Signal). You can store it on a flash drive, encrypted by a second password (which can be much easier than your primary password) or even unencrypted, if you generally keep the drive somewhere safe, disconnected from your computer. As long as you remember your password and can access your recovery code, you’ll also be able to regain access to your account, including all of your passkeys.
Emergency Access requires someone else to have access to their Bitwarden account, but assuming you don’t both lose access, it’s a pretty solid solution. When they request access, Bitwarden will send you an email allowing you to accept or reject their request. If you accept or don’t respond within the allotted “Wait Time” (which you configure: 1 day minimum, 90 days maximum) then they’ll be granted access. You also get a choice (when setting this up) to let them takeover the account (resetting your master password) or to just get read-only access.
Maybe you don’t like Bitwarden and want to use some other app, like 1Password, Dashlane, Roboforms, etc.. Whatever your choice, familiarize yourself with how to restore access to your account in an emergency. Then you only need to worry about that and not about how to get access to your passkeys that are on your Windows laptop or only synced to your Apple devices.