If you look through those they are almost all about people forgetting their password or losing whatever they are using for 2FA: that is exactly what I'm worried

If you look through those they are almost all about people forgetting their password or losing whatever they are using for 2FA: that is exactly what I'm worried about! In my particular case, I am happy with my 2FA setup for Google (three security keys, across multiple locations) so I think that category of lockout is pretty unlikely. And I've already lost my keys once in my life, about 20 years ago.