“What was the password?”, “Where’s the Yubikey?”, etc. These are not the failure scenarios you want to encounter during a tragedy (speaking from experience).
Anyway, I'm just saying that things you think are safe, really aren't. It's inconceivable that two houses across town from each other would burn down on the same day, until they do. Probably not going to happen, but sometimes it does.
Thankfully, my wife grabbed the binder with accounts and passwords, along with the kids and pets, when she evacuated, while I was stuck on a backed-up freeway an hour away.
I've been very conscientious since then about keeping both a physical and digital copy of everything important. I would never trust digital alone, but a physical copy just isn't reliable enough.
https://www.nytimes.com/2019/07/19/business/safe-deposit-box...
A bank safety deposit box is a good backup plan for the home binder.
The benefit of the binder over (or in addition to) the secret manager is it maximizes the chances your family can successfully access your data. I've designated family members as the emergency access contacts for my password manager, but one member completely forgot I even used a password manager, or what it was called. They would never have looked for my data there in an emergency.
