All of this makes me realize that availability is my biggest risk. My passwords are all 30 character random alphanumerics and I have none of them memorized.
This is, ironically, why I ended up with 1password over bitwarden: Their recovery process is down to "You can recover with paper, or another member of your family with access can break you into jail to get your account back up."
I have tested this process with my partner. the only thing that I cannot replace is the TOTP token to add new devices (however this is bypassed when recovering from paper). I have legitimately considered etching the recovery data into a small glass (borosilicate) dish using selective laser etching.
Durability to cost ratio. I can get 90mm borosilicate petri dishes for $10 that I can be pretty certain won't melt into a glop, plus having a "contained" object allows me to have tamper seals that are much harder to violate (nail polish).
Thus, "password recovery material, TOTP QR code, and an SD card with essential documentation" can be passed to next of kin easily.
