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Are you using passphrases? Is it worth it?
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This is the security industry's dirty little secret that doesn't get talked about in public enough.
All the excellent security on a site, including complex passwords, perfectly secure storage of a salted hash of that password, multifactor authentication using TOTP, etc., is completely moot if someone can just hit "I forgot my password" (or "I don't have my second factor") and bypass it by doing an email loop. You instead rely on the security of the user's email account.
for email there is an easy solution. create a shared alias on addy, confirm it as your recovery email, forget the alias ๐