Right, I get that and that would 100% be part of the solution, but I’m not going to have my cloud storage protected only by a single factor.
Specifically I’ve kinda happily landed on Authy’s SMS being the 2nd factor in that scenario (and that scenario alone as it’s generally one of the worst 2nd factors) because I know I can get my ESIM reprovisioned with a phone call to my provider. Plus Authy won’t just give me access with an SMS alone, there are verification steps before they will let me access it, which adds piece of mind given the reduced security of an SMS OTP.
I’m not interested in cobbling together my own “secure” solution, I would happily host something ready to go (seems like bitwarden might be a front runner here), but I’m not going to trust my glue is perfect if I’ve had to do much more than pull a container and set-up a reverse proxy. I cannot guarantee I have the time to patch vulnerabilities manually, etc.