I think the second one would be my sticking point. People can’t write applications you would care about if they might not work on every network.
Lots of ipv4 hacks are based around compatibility tradeoffs.
That being said, I dont know that the /64 everywhere crowd is ever going to win that fight.
Using small subnets might break ipv6-pd, which, when it works is worth keeping.
There are options for additional checks they could explore that are less creepy.
In the meantime I think knowing the password should at least get you logged in enough for account maintenance. You should be able to set the entire account private and take it offline with limited toggles. Restoring full access would require the additional verification.