Well with bitwarden/vaultwarden you can have a copy of your entire vault on your phone or computer or both... so even if your server was totally dead, you'd have access to your passwords. Solid backups is a must, I follow the 3-2-1 rule on super critical systems (like vaultwarden) and test that you can actually recover. Something as simple as spinning up a VPS, testing a restore, testing access, see if that could work in a pinch until you get your server back online, then tear it down. Linode is very cheap for this kind of testing, it'd only cost you a few pennies to run a "dr" test of your critical systems. Of course you still want to secure it, I'd recommend wireguard or tailscale instead of opening access to your DR node to the internet, but as a temporary test it's probably fine if your running patched up to date versions of docker, vaultwarden, and I'd always recommend putting a reverse proxy in front like nginx.

Usually the password are also stored locally.

I can definitely access all my passwords offline with bitwarden