I keep one backup key in a fire safe at my residence (in case I lose my primary key somehow) and one with a trusted party in a different state (in case Mt. Rainier explodes and the entire state of Washington is lost - though at that point I have bigger concerns)
In non-pandemic times, I visit at least once a year and update things then.
At the end of the day, so long as I can get access to my email and at least one bank, I'm confident that I can recover everything else in time. As such, if I have some recent account that isn't covered by that key I'm not particularly concerned.
