Figure out which doors you need to unlock and make sure you have at least two independent ways to get through each door. Some doors support Yubikey, so that counts as one, for those doors.
But why do THAT when what were asking for is control over our own data, our own secrets? Because it's imagined to be "less secure"?
Actually backing up keys, as in duplicating them and physically securing them, makes it simple, clear, and understandable to all involved what recovery looks like. TOTP is a great example in a similar space; my nontechnical spouse doesn't need to know "how TOTP works" to know that in case of my incapacitation she only has to read a packet of paper and follow instructions in order to perfectly recover all my accounts with zero chance of some 3rd party provider (e.g. Passkey stores like 1password/Google) having a political/technical glitch that'd get in the way of that.
Passkeys are like passwords with landlords added in. Just like with landlords for services provided,
Passkeys seem very convenient for day-to-day but nightmarish in the margins and on the 5+ year scale.
Figure out which doors you need to unlock and make sure you have at least two independent ways to get through each door. Some doors support Yubikey, so that counts as one, for those doors.