[Telaneo]

How often do your change your passwords? Assuming they are decently long and all that, why would you change them at all other than when a site gets breached?

The only reason my Keepass database changes is because I make new accounts on sites every now and then, and that's a fairly rare thing these days. And if I get so ungodly unlucky that my house burns down before my off-site database is updated to have that new account listed, I'll still have access to the email that account is associated with, so I can still recover the account either way.

[fullstop]

Every time I add an account, for one. And there's still plenty of (dumb) sites which force me to change my password and sometimes username periodically.

Keeping an offsite database in sync is tedious, especially if it's delivered via sneakernet.

[Telaneo]

I add an account to that database maybe twice a year, probably less. Do you make a lot more accounts than that?

The off-site solution I have updates a lot more often than that, although that's only because only the really important stuff is backed up in that way; the stuff I truly need to survive my house burning down.