Yup, I have the same misgivings. I hate getting locked out, but at the same time, I'm pretty paranoid and want secure passwords, don't leave copies of them around.

So I've been working on a backup plan. Current incarnation is to use a simple Go cli tool with Shamir's secret sharing algo to break a password into N/M shards. The user can then do whatever they please with the shards, give some to their family, friends, attorney, make a pirate map, get an rfid chip, anything you want.