Definitely a good idea to plan on this at all times. In my case this looks like:

* All photos auto upload to Google photos

* All other important files are in a syncthing folder with at least two other devices (laptop+desktop)

* 2fa in Authy with cloud-sync

* Passwords on Firefox sync

* Google Fi is my carrier, and pulls eSIM when I log in to the app even without my old phone

* Google voice number is my main phone number. I don't lose access to incoming or outgoing sms or voice calls if I lose my phone.

In a pinch, I can buy a cheap prepaid phone and sim while traveling and be fully functional and reachable. I've had to do this before, and while I probably wouldn't go to the trouble for work, I feel compelled to be at least reachable for family.

I've thought about de-googling this further; photos could go straight into syncthing and I could port my # to a generic SIP provider that offers SMS. So far neither have seemed quite worth the trouble.

I've always felt very uncomfortable treating my phone as anything other than a rather overpowered thin-client.

They are stronger possibilities once you know they are going to happen eventually, not just that they could theoretically happen.

Yes but I don't want my phone to be lost or destroyed or stolen. So using a phone that will likely fail until it does so is not taking preventative measures.