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That covers most usecases without added user fuckup risk.

I thought biggest user fuckup risk is to lose their keys? And having two separate keys you're not allowed to lose makes this even worse?

I would argue the same. I have never seen anyone recommending this setup.

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I can't find the post I'm thinking of that backs me up, created a new discussion on this in hopes the crowd can find it:

#325101

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