I'm not sure why you're looking for a "rational" solution when password managers are themselves inherently about convenience and not security. From a data curation standpoint, some digital credentials are best stored by writing them down and physically locking them in a safe. A second level might be some form of air-gapped digital storage, like a thumbdrive you keep offline and only connect when you need to access the protected resource. Third level is local storage. Only the least important credentials should be stuck on some third-party "cloud" server. I'm also not a fan of specialized/proprietary software that forces you to use *only* that software to access your data. If I encrypt a file with some standard algorithm, I'm able to recover my data pretty much anywhere. Even when I do use the convenience managers that are supplied by my browser and OS, I still store important information in a separate format I can lock away and then take with me for use on some other system *as needed*. Perhaps think about it like this: pretend you're going to die tomorrow. Who in your life *should* be able to access certain things and what things *shouldn't* they be able to access? How can you provide that access to them that is both easy tomorrow but still safe today? Curate your password (and other data) storage accordingly. a8435600e86d754787e949fbe8d8f8e3d49633d014782eeda1902b897eca6f72