One thing I never understood about hardware wallets - isn't physical security an issue? Can't exactly back it up. Sure, if someone steals your Ledger they can't get any of your coins, but you lose them too. How many millions of BTC were lost on old hard drives?
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Normally, you will be provided recover seed word (24 words). If you lose it, you should buy a new one and recover your wallet by provided recover seed words.
I think you can always use a seed to recover your keys.
Shooot, it's a lot. Maybe four million or more are out of circulation. I think of them as dead weight.