I have a copy of my keys offline, it felt really crazy when I was doing it a few years back, but I value my account enough to have my keys stashed away from the internet, just in case.
I think there's really nothing hard understanding how Hive keys works, and your explanation makes it simpler.

I don't agree we don't get enough onboarding because of allegedly complex stuffs as keys. Web2 is not web3 and certainly we needed compromise security for anything less