just went to check if the password I have stored in various places, including good old paper, is the one starting with P. It is... Yet the one to my alternate account is not in the same place...so I'll make extra sure ...

Good, and hope you find the one starting with P for the alternate account.

Too complicated for a noob like me to follow all the technicalities (hope I don't need to deal with them!).

Yeah, I would have preferred not to have to deal with this too, lol. A part of my reluctance to get in crypto was all the James Bond stuff involved with securing your accounts/wallet.