When I was a teen, I created bitcoin wallet and remembered seed phrases. Still, today, I remember those phrases. I mean, 8 years have passed and I still remember them.
The day you stop using it regularly, your brain will become a little more fragmented. The thing is, our brain is somewhat good at short term memory, however the longer you leave it the worse it gets. That's without considering aging, various conditions the brain can be subject too, and the fact that no one can predict a fall which could damage the brain.
I know of someone who died while riding their bike, but it was probably just as easy for them to have sustained brain injuries (which is what happened), not died, and have memory loss as a result. In fact, it was determined that if they did survive, they'd have significant brain damage. That's just riding a bike, but we all drive cars or even walk has a little bit of risk associated with it.
There's a ton of things in life that can happen, that you just can't prepare for. You can try, and plan ahead, but you'll unlikely cover all the basis' unless you have others that can help you, i.e trusted people within your life.