> All 2FA runs through it

I hope that isn't true, because I sure can't think of a good way to use Bitwarden's TOTP as 2FA for Bitwarden! :)

FIDO2 USB Security key -> Bitwarden (With master password) -> Every other 2FA method

I have 3 FIDO2 USB Security keys, One I carry with my persons at all times, one that stays with my main machine at all times and an offsite backup that is sitting in a friend's server, if my house burns down, I can either physically collect the key or use USB-IP to authenticate back into bitwarden and enroll a new key. (Actually all 3 are at home right now but that's ok)

My phone is logged into Bitwarden so even then I can recover my passwords and data in case of a serious incident immediately.

Even if both my house and my friend's house burn down at the same time, I can still recover my data from my phone unless my phone is left in the house, all of which to say I still have the recovery phrase written down in a box somewhere in a different country