My password manager is locked by default but I have a second android profile that I switch to when I hand out my phone to someone else. I imagine iOS has a similar feature. I don't want my kids or a friend ruin my browser history.

Last time I dropped my phone in the sea, I got a new sim card the next day from my operator, reactivating all the 2FA shit isn't too complicated as long as you keep the same number. It was annoying but 99% was taken care of as soon as I had the sim card.

The only thing that took several days was access to a bank account I have open in a remote country as I hadn't given them my latest address and they had to do back to back verifications, shipping me codes then calling me to verify the same person who was on the phone was living in the place he pretended to live, then sending me back 2 different letters one with a new password, one with a code to activate 2FA.