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A place to share alternatives to popular online services that can be self-hosted without giving up privacy or locking you into a service you don't control.
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Every way is a security risk in itself. For example if my home burns down I lose x% of the ways. y% can potentially break. z% can potentially be lost to my stupidity. What if I get in a car accident and hit my head and get amnesia and forget a mandatory password: for these cases there are different retrieval strategies, but obviously are 'stressful' to set up to stay relatively secure. What can I say, these are the thoughts I have about this topic.
At first you were concerned about backup access, there are multiple facrors of backup access.
Regarding other issues, you either use disk encryption (and a lot of other things as well) and accept these concerns as part of the deal or you dont use it. That's why actual security involves threat modeling and mitigation. Encryption by itself gives little more then headache.