I travel a lot. By train, plane, and car. I also use passkeys when possible. I have multiple Yubikeys, stored in different locations. I also have a password manager, where I typically keep track of which logins aren’t yet backed up across physical tokens.

It takes a bit of effort, but it’s not impossible.

Yes, it means that in the event of catastrophic failure I might not be able to log in to some services until I get to one of the backups. I haven’t been able to imagine a scenario where that would be truly problematic.