Just to put some of these "fears/tears" at ease. A lot of the "make a backup... know your recovery data" information is something that is good to hear as we approach the end of the year. It's always a good idea to have methods of restoring your accounts AND access to your crypto accounts in the case of personal computer failure, server downtime, being away from your computer and needing access... etc. And there are ways to make sure your backups are secure. And so I wanted to share just one of the ways I backup my private keys and stuff.
I use DashLane as my password manager (and yes I know other systems like LastPass provide this functionality as well) and there is an ability to encrypt and password protect notes. This enables me to access my recovery stuff for cloud.gethashing.com as well as some private keys if anything ever happens while still making sure that the "backup files" aren't just sitting around on my computer. You can also encrypt and lockdown folders on your computer. Send yourself a PGP encrypted email. Have an encrypted USB drive to store your "vault" stuff. Or go crazy and have your own cypher system in and notepad that only you know the decryption key.
The point is... you never know what will happen tomorrow and where you will be when it happens. Always have multiple plans in place that you can access your important information. BTW... I just finished teaching a seminar on disaster planning for freelancers so maybe my mind is on disasters right now.