The vast majority of us will never encounter such a scenario but...
Outside of asking a family member/friend to retrieve your HW wallet and/or seed
What do you do in such a scenario?
While it's generally not recommended, IMO this one of scenario where
brainwallet or having encrypted cloud backup may help you.
I would suggest enhancing the brainwallet with encrypted seed-phrase hints. Writing them on paper, in an electronic file, and so on are not suitable. You should apply the hint to something you always have with you, such as human skin. Create a tattoo containing "
images" of the 12 words, so that when you look at them, you'll remember the original words. In other words, it should be a combination of a brainwallet and information encrypted in a way you understand. This will act as an "
anchor" for your memory, and if you forget the words, the tattoo with images encrypted as "
images" will help you recall them. Also, this seed-phrase will always be with you. Wherever you are. Until the end. Of course, this seed-phrase can't be displayed anywhere else, because if it is compromised, it will be difficult to change the tattoo.
This is a complex and unsuitable option for you, but in my opinion, it is more reliable.