If one gets compromised (some waiters did this, and there are hackers galore) then the other one works while the former gets damage repaired.
And it complicates life.
I carry all cards in an alumi-wallet, not because I think they'll be read by some passer-by, but because it puts a lot of things in one place, where I can inventory them regularly. (and I get the wallets cheap at the thrift store).
I have a good memory, but, as your story indicates, we both do some things mindlessly, so that memory does not get an entry,
What I have found, since stores I need are some distance away, is to be as systematic as possible. I even wrote down a checklist for getting into the auto, but of course, I didn't consult it last time and ended up getting some extra N95 masks at the CVS along the way.
It's NOT OCD!
Checklists are fine. You can use one on your phone, but I do write them down. My problem with phones and computers is that anything really urgent competes with the entire damn internet, which is accessible on them.
Index card or post-it note!!
(and take a picture of the note in case you lose the slip of paper)
GOOD LUCK