Bitwarden users who store their email account credentials within their Bitwarden vaults would have trouble accessing the sent codes if they are unable to log in to their email.
To prevent getting locked out of your vault, be sure you can access the email associated with your Bitwarden account so you can access the emailed codes, or turn on any form of two-step login to not be subject to this process altogether.
I’ve had a good experience self hosting Bitwarden (using Vaultwarden). I’ve printed off some instructions for my wife or family to gain access in case something happens to me. I haven’t done this yet but I also want to occasionally export my vault to an encrypted USB to keep alongside things like passports and birth certificates.
Those might be good options for you too considering the risks you’ve outlined.