For somebody complaining about making things complicated you certainly complicated the s*** out of a short post.

Storing your passkey in any of the shared password managers solves almost every problem you’ve listed.

With bitwarden and I have offline access to my passkey. I don’t know why the hell you’d need offline access to your pass key because they’re designed to protect online systems, But it could if I wanted it to.

With Bitwarden I can use my phone, or I can use my browser, or any one of four other browsers, or any other computer.

If I need to reset one of my pass keys I reset it in one place and it gets reset everywhere.