There were numerous experiments with how people memorize things and excluding elements from memory is normal, so translating this to bitcoin seed phrases, if you happen to have a thing like:
cabbage grape jealous banana
your brain will try to associate the three words that are vegetables and fruits which would lead overtime with losing the 3rd word in the sequence.
I bet you have memorized some lyrics that you learnt at school and you still remember them exactly. Well, at least I believe. I would say that memorizing is not a bad method if person tries to memorize it every day and still repeats it even after being confident. By repeating the same words every day for months and more, you will remember it so well, you will be surprised. But I think all methods should be individual, I don't force anyone to follow this one cause I don't know their cognitive abilities but I just think it's not as bad as people say.
If you have a good memory and you follow those tips above, well yeah it wasn't bad because it makes things more convenient for us when accessing our wallet and we don't need to worry if we lose our back ups. But, they are needed just in case something bad happens to us like if we have an amnesia or worse die. That way the people that we inherited the coins can use it.
To the OP, no I don't consider that possibility since, I don't store my keys on the device that I'm using. But if let say it happened, I might struggle financially and start from scratch again but I will still be thankful that I survived the war that occurred and I am still alive.