Web-based password manager user here! It's worth noting that Bitwarden and 1Password (probably all the others too) let you export all of your data into an encry

Web-based password manager user here! It's worth noting that Bitwarden and 1Password (probably all the others too) let you export all of your data into an encrypted archive, so anyone who does this periodically won't be "locked out". (Naturally, this requires extra effort on the users' part, so who knows how many are actually using this ability.)