That’s the problem I’m trying to address here.
There is no solution to that problem. If you lose your password it's gone.
off-site cloud storage
This could be a server that is off-site but still controlled by you. Or just use a cloud hosting provider that you trust, the database is encrypted anyway. Or hell it could even be a hard drive in a box somewhere, assuming you never add anything to your database. Personally my off-site backup is a flash drive that I carry around with me at all times, and manually update whenever I make changes.
Why are people still using telegram anyway... Much better options out there