I won't be redeeming any, that's for sure. I've been lucky so far, but I got a brush with this experience a couple years ago. I logged into my apple account from a web browser on my work computer. Turns out my company has pretty shitty security and our NATs were on the naughty list (I should have known better, I had been getting CAPTCHA'd every day if I browsed outside our network). Because I logged into the apple account from a naughty network, they instantly locked the account until I could prove it was really me and that everything was okay.

I did get it resolved relatively quickly, but for the next couple weeks I was randomly running into the fallout from that. It became really clear just how far reaching the impact would be if I lost the account and could not recover it. Ever since then I've tried hard to disentangle myself completely so that the blast radius will be much smaller.

At this point the biggest worry I have is what would happen to my MBP and iPhone. All of my cloud services are non-Apple, but they might be able to keep me out of my own machine and that would be devastating.