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RE: Why you should use a password manager
Password managers are crucial tools but you should always ensure that the manager database is properly encrypted and secure. Online hosted password managers like BitWarden, 1Password etc posses the risk of getting compromised since the server is controlled by a third party. It is my personal recommendation to either self-host such services or use a more orthodox offline managers, such as KeePassXC and make regular offline backups.
Absolutely, that's why I was specific in the managers I recommended, which also do that.