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+1 for a self-hosted Vaultwarden instance. If you’re technically capable and have extra hardware laying around this is the best way to go.
Although a backup is still required or you are gambling on hardware outliving your need for your data.
100%. Make sure to follow the 3-2-1 backup rule with all things you do.
Anyone with the knowledge to self host will quickly discover 3-2-1. If they choose to follow it, that’s on them but data loss won’t be from ignorance