I would do the word jumble suggested by xkcd, but so many websites require numbers, special characters, and disallow spaces that it would be impossible to remember unique passwords between those sites. Ironically I end up in a much weaker password ecosystem because I re-use the nearly-same password over and over again so I’m not constantly requesting a reset.
I’m split between a work pc, mobile, and home pc… It could work for 90% of cases. I never trusted a password manager though.
Single point of failure and a separate entity has all of your passwords and you have to continue paying them or lose access to everything. Sounds like a terrible idea to me
There are password managers you can self host. Bitwarden being one of them. Secure it as much as you want and keep off-site encrypted backups if you’re worried about a single point of failure.