Sorry to hear about the loss of your phones.
I rarely think about the trouble I would have replacing mine. But now I will give it a good going over. I have to many passwords and to many accounts. I understand what your saying. Thanks for the share, it’s a wake-up call.
I have left my phone someplace before, as did my wife. We were lucky and returned to find them. I even tracked my daughters phone to someone’s house once, it was a dicey, uncomfortable situation, but they relented and gave it back. So it happens, it’s best we all prepare.