It seems to me like short-lived certificates are the way to go, which would require tooling. I am actually a little surprised to hear that you're using long-lived certificates on your own servers (I'm imagining a homelab setup). What benefit does that provide you over distributing keys? Who's the CA?
I'm my own CA; SSH certificates don't usually use X509 certificate chains. I dump a public key and a config file in /etc/ssh/sshd_config.d/ to trust the CA, which I find easier to automate than installing a list of keys in /home/user/.ssh/authorized_keys.
I started using this when I got a new laptop and kept running into VMs and containers that I couldn't log into (I have password auth disabled). Same for some quick SSH sessions from my phone. Now, every time I need to log in from a new key/profile/device, I enroll one certificate (which is really just an id_ecdsa-cert.pub file next to id_ecdsa.pub) and instantly get access to all of my servers.
I also have a small VM with a long-lasting certificate that's configured to require username+password+TOTP, in case I ever lose access to all of my key files for some reason.
