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Securing online accounts

Over the years I’ve used a variety of ways to generate and secure passwords for online accounts. BitWarden now has Passkey support. If passkeys are synced over the cloud, then they’re basically really complex passwords, that’s all. I like the concept of Hardware backed 2FA keys but I worry about hardware failure over the long run.

My current setup is as follows:

Too many ways, and it gets confusing. I have to ‘remember’ the 2FA method since I’m using a variety of methods. I want to simplify my setup so that I have the following

Basically

Some accounts need some extra thinking:

Microsoft Account

Microsoft account now allows password-less login. So that’s a good option

Google Account

Apple Account