How often do your change your passwords? Assuming they are decently long and all that, why would you change them at all other than when a site gets breached?

The only reason my Keepass database changes is because I make new accounts on sites every now and then, and that's a fairly rare thing these days. And if I get so ungodly unlucky that my house burns down before my off-site database is updated to have that new account listed, I'll still have access to the email that account is associated with, so I can still recover the account either way.

Fair enough, but it’s genuinely super easy to have a regular copy of your password manager saved in the cloud. You can also have a less frequently updated version stored somewhere physical that isn’t your house. My house burning down has never been a concern for me, as I’ve taken the proper precautions for my data.