With security keys which have NFC capabilities, you can set things up so that accessing any website from your phone is only a tap away (you need to enter the pin before hand, or every time, obviously choice of convenience here is up to you but if your phone itself is secure enough then maybe this isn't such an issue to keep the pin cached while the phone is on). Even so, if you DO decide to go the backup route, the backup is not likely to get list and very likely to last much longer than 10 years. You don't need a backup unless you don't trust your hardware at home, just store backup keys on some trusted host, or offline on some storage media, you then only need to buy a new security key whenever you lose yours. I am currently waiting for NitroKey 3 to have non-alpha OpenPGP SC support and will likely buy one as soon as it's available (although maybe I should buy one now to support development and maybe have a play around myself). The cost is not really that enormous when you consider these things are pretty bulletproof, I've had one for about 10 years on my keychain.
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