

Bitwarden has a account custodian feature that will give my wife all the info she needs to access essential accounts and hardware, however, realistically the homelab will only continue to work until things start dropping - there is likely no easy recovery of crashes.
I haven’t talked to my wife about it directly, you’ve reminded me this would be a good conversation to have, but the first thing she should do when the insurance money comes in is (after paying off the assassin) buy a bunch of dumb light bulbs and pay to print any photos she cares about in case our digital backups die.
They’re all generally fine. WiFi thermostats open up more security holes than the others because they are designed to be chatty. I have an ecobee WiFi thermostat that’s isolated to only talking to HA locally using the HomeKit integration, which is fine, but I can’t say I’d recommend it.
When I set up my thermostat the ZigBee/Z-Wave options were quite frankly ugly and had limited wiring compatibility. Nowadays there’s a bunch more options on the market - you should be fine finding what you need anywhere.
ZigBee/Z-Wave/Thread are all pretty comparable, so I’d go with whatever you already have on your network - me personally I’m all in on ZigBee right now so I’d probably get one of those.
If you’re undecided, HA newest official hardware supports ZigBee & Thread so I’d go with one of those.