You don't need a "contract" for recovery, just an account.
E.g. in the US, Mint Mobile is $15/mo. and is prepaid in the sense that you buy blocks of months at a time. But if you lose your SIM they'll still send you another one with the same phone number.
So no, if you lose your SIM you don't necessarily lose your number, even if it's prepaid. That only happens if you're buying your SIM as an "anonymous" one-off purchase, which is not what most people do these days. Not to mention the increasing prevalence of eSIMs.
E.g. in the US, Mint Mobile is $15/mo. and is prepaid in the sense that you buy blocks of months at a time. But if you lose your SIM they'll still send you another one with the same phone number.
So no, if you lose your SIM you don't necessarily lose your number, even if it's prepaid. That only happens if you're buying your SIM as an "anonymous" one-off purchase, which is not what most people do these days. Not to mention the increasing prevalence of eSIMs.