It’s not worse than any other self hosted system, the fact your vault is on every device might be useful if you don’t have a connection, but IMO it doesn’t really add any value in terms of backup.

I’m glad the option exists, but I don’t self host and pay Bitwarden €12 per year. For that price I can’t set up a more reliable system than they can even if I would consider my time free

If you don’t do off-site backups there’s no recovery from your house burning down.

Exactly my point and exactly the opposite of what you said earlier.

What do you mean? If my house burns down the chance all my devices went up in flames is high. This is one of the reasons I’m not self hosting Bitwarden.

Unless your phone also burns down together with the house, which is not unlikely