Yep your rarely used vacation house needs an extra step given how rarely it's used.
Passwords are a miserable and lazy solution. The point was; they are cheap and easy to implement. I highly recommend dropping them whenever possible and switching to Passkeys, oAuth, SAML anything even a tiny bit harder to compromise.
As I get closer to 50 years old I begin to understand this. I still choose to go out most days but I start to see the appeal of just... Not.