No Stupid Questions
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It's both far more convenient and far more secure. There's basically no downside.
Passwords are an obsolete technology that we keep widely using because they're familiar and comfortable and then we try to bandaid-fix their issues with MFA which almost everyone finds intensely aggravating (and rightly so). Passwords are an awful choice from a security point of view.
SSH was well ahead of the curve on allowing and adopting passkeys, but you will notice an upcoming push towards passkeys for everything, because the rest of the tech oligarchy has finally discovered that, like with MFA, they can use it as a way to capture your entire online identity within your phone which they own and control (even though you paid for it) and then use this as a lever to maintain their control of you, your phone, and your online identities. Enjoy your age verification journey!
SSH keys are not locked to your phone and don't have any big-tech strings attached, they are free and open and can be stored on any device, including ones you actually own and control, as it should be. SSH keys are the real deal.