> Perhaps there are dovecot (and postfix submission) options to at least > restrict access by IP?
Restricting by IP is soon going to become very tedious, especially if you are dealing with more than a small number of users, and especially once post-COVID travel comes back and people start connecting from random hotels and airport lounges. If you don't fancy the idea of client certs, the alternative I would suggest instead of IP limiting would be a Wireguard VPN instead of IP limiting. Wireguard VPN servers run very quiet and won't respond to anything unless a client sends the right parameters. Of course the downside of a VPN compared to certificates is that the user will have to be aware and know how to manage a VPN, whilst with certificates it can all be quietly done in the background.