The proper solution to this is to strengthen the credential. By generating a long, strong, random password and enabling MFA (TOTP, Yubikey, Passkeys, etc.).
Whitelisting might have its place, but it is not a substitute for strong credentials.
Herein lies a problem. The second, often ignored, risk is losing access to one’s own vault. What happens when the home’s IP address changes? How does the user login to add the new address?
In a separate thread you indicated you are self-hosting. In that case, your home firewall is a much better location for the whitelist because it can be updated via physical access to the console.
If you have evidence that Bitwarden servers are at 2.5% risk of compromise, please urgently share the exploit with Bitwarden, so that they can fix the flaw. There may be a reward in it for you.