I think you answered your own question! The three key is optimum for ease of rotating (or so you can carry one on person) - but if your house burns down with yo

I think you answered your own question! The three key is optimum for ease of rotating (or so you can carry one on person) - but if your house burns down with your phone in it - you will lose anything set up since your last offsite rotation. Sounds paranoid / crazy - but I have 0 anxiety about being locked out of an account that matters.