One option would be Vaultwarden server for your password storage (Bitwarden compatible) and 2FAS for auth (export once a week and save the backup to your own cloud)
Eventually some new product manager will be put into control at BitWarden and will screw everything up. If not, they’ll get acquired and be cost cut into catastrophe.
I could be wrong. If I am wrong, the downside is wasting time self hosting. If I am right, the downside of using their service is resetting 200 account passwords one at a time. Again.
Not everyone is. I’ll preferentially pay for a managed service that’s reasonably priced, but I still end up with a whole pile of self-hosted services because managed versions don’t really exist. (A bunch of alternative front-ends to various websites, an audiobook server, Plex, Homebridge, etc.)
You can pay customary $10 per year to bitwarden to support and still selfhost valultwarden. Some people want to have control and don't want to have to deal with VC money getting in the way (1password was a hard learnt lesson). Also vaultwarden seems lot cleaner and easier to install and manage than official bitwarden server. And you still rely on their clients.
