Copy pasting my other comment from an earlier thread

FIDO2 USB Security key -> Bitwarden (With master password) -> Every other method (topt/password)

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)