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I'm not here because Lemmy is a better alternative
(lemmy.world)
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You do everything from your home server.
So you're at feddit.it, instead of going to https:/lemmy.world/c/lemmy.world you go to https://feddit.it/c/lemmy.world@lemmy.world
I don't know how posting between mastodon and lemmy works.
And yes, if your instance dies, your account is gone. Mastodon has a "transfer account to another instance" feature, but Lemmy does not yet, but I'm pretty sure redundancy in some form is planned.