Here is my issue with Apple Keychain and now their password app. Someone tried to get into my oldest daughter’s iCloud account. They didn’t get in, but Apple locked her account for security reasons and it took 4 days for her to prove it’s her, and to get in.
Her Apple stuff was useless at this time. When she unlocked her iPhone, she get getting pop ups and couldn’t use it. She had to use an old iPhone and just made a new Apple ID to use temporary. She downloaded her 3rd party password manager, logged in, and she was back in business under a different Apple ID.
If she didn’t use a 3rd party password manager, she would have been screwed. 4 days without accessing your password and your accounts can be very bad, especially if you needed to pay stuff.