I've locked myself out of my digital life
First, I’m so glad this turned out to be hypothetical, and you didn’t have to suffer through such a catastrophic loss. Second, if you had actually suffered such a loss, your digital life would hopefully be the last thing on your mind, and you’d just be glad to have your life and your family - the only real things that matter in this world.That said, planning a strategy for offsite data storage or a secondary authenticator is of course wise. A safety deposit box or other offsite location that you can frequently refresh and keep up to date would be a good investment. If you’re worried about keeping a master key to your life in a single place, you could separate your data and your authenticator. The how likely depends on your threat model, several people on this site may find it insufficient. To whatever degree you obfuscate or complicate your recovery path, you also increase the risk of losing access to it yourself.You might also consider it’s not necessarily the “thing you have” that might go MIA, but due to physical injury, age, or just forgetfulness, the “thing you know” could also be at risk. I realize this the older I get. Finding a secure way to store a master password in the event you cannot recall it, or perhaps in the event of your death, is something you may also consider. In this case, I would avoid a cipher or something else you’re likely to forget.