I don't want to go into my personal circumstances for obvious reasons, but I can confirm that you haven't thought about this from all angles. I'm not looking to argue, though. I agree with your overall sentiment. I'm merely saying, there are some very specific life variables out there that can make certain setups preferable over others. But for most people 12 words is enough.

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I don't see what those could be, but I don't want you to expose yourself either

For context, I've worked on important authorization systems and there are many things that I have considered. Perhaps someone else will point out my shortcomings here