I've actually come up with a way to have a complex and unique password for each service which is also resilient againt forced password changes, doenst require a password manager, and if Im being tortured I still wont be able to tell them what it is because I dont know it unless Im at the login screen. If the service changes the layout of their login screen though, Im fucked.
I've been thinking of starting to use one more and more, is there any you would recommend? Are all the good ones a paid service? And my biggest concern is someone getting into the password manager itself, is that something that I should worry about?
I'll second the other comment suggesting KeePass, but the biggest issue I had with it was syncing the database across devices. Ultimately I stored it in OneDrive, but it occurred to me that at that point it wasn't much different to a cloud password manager, which I especially didn't trust.
I now self host a Vaultwarden instance from my Raspberry Pi, and that works perfectly for me, but it does require a bit of Linux experience and a spare device to run the server.
I'm using KeepassXC and sync with Syncthing (which is P2P), and I'm quite happy with it. Seems like you got your setup figured out, but this is a bit simpler for someone looking into password managers
Bitwarden has been working well for me, and it’s open source and free to use. I started using it when it was clear that using LastPass was not a long term solution.