The solution to your problem is simply more passkeys.
I am not being sarcastic - which ever service your authenticating to make sure you have passkeys from at least 2 different devices so you do not lock yourself out.
If you don't fit into this multi device assumption, passkeys are not going to work well for you. There will not be a standard for transfer / recovery.
That is completely unrealistic to me. The normal users will not register different devices and will simply be locked out when the device fails or is lost.
And the question they will ask is about the need to have two passwords.
Not just multiple devices, but multiple locations. A fire, flood, car accident, or theft can result in the total loss of multiple devices unless one is sufficiently far away and also secure. Then there's keeping that remote device up to date. This is beyond the patience, finance, and understanding of virtually everyone.
I am not being sarcastic - which ever service your authenticating to make sure you have passkeys from at least 2 different devices so you do not lock yourself out.
If you don't fit into this multi device assumption, passkeys are not going to work well for you. There will not be a standard for transfer / recovery.