This is why my self-hosted Vaultwarden is my one password that I have to remember and requires no 2fa, which is the only important account that doesn't have 2fa.

If I wake up in a bathtub missing a kidney I can still get to my passwords and 2fa sources stored with it. Some accounts require SMS (annoyingly) so I'd have to buy a phone but the auth and credit card numbers I need to do that are in Vaultwarden, too.

I don't have good solutions now for OP (other than buy a new phone through your carrier and transfer the number). But everyone else do think through your personal DRP. Generate backup codes and put them somewhere safe, too.