Secret Key storage in iCloud keychain -- toggle?

Thank you for that additional information.  It's a good point.  I have a close friend who used a different password manager a few years back, and ended up losing access to all their passwords.  Helping customers avoid having this happen to them is definitely a priority, and probably even a reasonable default (I grudgingly concede :), given the tradeoffs for the average user.  Most people would probably find it a welcome surprise to have it work on a new device with just their master password or even more likely not be surprised at all because by the time they setup a new device, they have forgotten entirely about the Secret Key being needed.

I'm sure it would be tough to explain these tradeoffs effectively especially without scaring or confusing people.  Tricky.

Thank you.

P.S.  I tried to move this reply to the proper subthread above, but it said my post limit was exceeded so here it stays.