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Does nobody know you can rent domains for ten years in advance? This argument comes up every single time. Just extend it for ten years (or better yet, nine years so you can always migrate) and then set up a calendar event to remind yourself to add another year every year. You'll have a looooong ass grace period to deal with payment issues.

You can use Cloudflare to top up your account to the max (because they sell domains at cost), and then move to a registrar of your choice to save a bit of money.

When you die, your domain will not be reacquired for a decade, giving your accounts on various sites (or even sites themselves) time to expire. 2FA everywhere is a must, obviously.