Anything that depends on a cloud service where your account can be destroyed any time without any recourse because support is managed by bots is a no go.
Personally, I'm comfortable with cloud services, but only if I have some sort of backup strategy.
I store all my passwords in Bitwarden. One reason I use Bitwarden (as opposed to e.g. Keypass) is because it has cloud syncing. All of my passwords are synced between all of my devices.
Critically, however, if Bitwarden's server was to disappear tomorrow, it wouldn't destroy my life. My passwords would still be stored locally, so I could open Bitwarden and export them, then import them into another service.
Passkey by design have no solution this! That means I can't trust them! I need to be able to export all of my credentials to some type of local file, which can be transferred to a new machine or service without the cloud, as a failsafe. I don't care if this is less secure, because my Bitwarden setup is already very secure, and I am much more scared of being locked out of my own accounts than of someone else getting in.
