Seconded, plus hardware keys with passkeys disabled. Depending on your threat model, you might want your hardware keys to be a second factor, not a replacement for all the other factors. Passkeys do not fit into my threat model, as they are implemented as identity and password replacements rather than supplements
Bitwarden has an emergency contact who can access a vault after 2 weeks if you don't deny it.
https://github.com/cyphar/paperback is great for a printed analog option as well. You could put your vault key into a multi paper printout, distributed amongst trusted people, so you need a quorum of them to get your secrets if you're gone. Or get access to the family Google photos library, or whatever