Losing access to a lock is bad stuff. I went with a smart lock that has a physical key. The article says don't buy a smart-lock, but the convenience of having one-time access codes, scheduled access, delivery access, and linked to a security camera make the downsides (increased attack vectors) something I'm willing to live with.
Tangentially related tip: Inside most modern car keyfobs there is an "emergency" physical key...or should be (recently saw one where the space was empty as the dealer had failed to include it) It's not marked or obvious from the outside of most I have seen and some prying in some innocuous looking seam will be needed. One of those things that seems obvious once you know it but may not have run across.
On some of mine, the physical key is also the pry-tool used to open the body of the fob for battery changing. :)
On my Toyota, this mechanical key can be used to lock the doors while the engine is running (pitstop mode), which is otherwise not possible. On my friend's Mercedes, it does not respond to the mechanical key (wait, what?) while the engine is running.