You should still be able to sign the addresses, aye? Even if there was a hard drive crash in 2016 I assume you stored more coins elsewhere (or had backups) considering the totals.
Yes, of course some of my BTC were lost due to the hard drive crash. I didn't saved any BTC I sold most of them. Also I don't tend to earn much from crypto now.
In my eyes it seems as if everything is just as convenient as it needs to be for you. All of what you are saying may be true, perhaps you are extremely unlucky too. But all I see is one red flag after another.