I have resisted getting on the "passkey" train precisely for this reason. Usual advice is "buy 2 Yubikeys" but (a) it's a pain to keep both of them updated when you add sites and (b) I'm the kind who'd lose both. (So "buy 3"? Where does it end?)
But this has changed now, and I am planning to dip my toes in. My password manager of choice (KeePassXC has supported passkeys for some time, but the Android version (KeePassDX) has not had support... till very recently.
So I may just give it a shot