I think the OP's question relates to using a password manager or not. I propose that that is not a good question to ask given that the problem is not really well defined. In other words it looks like a solution looking for a problem.
The question each of us must ask is what do we need to protect and what is the importance/risk of what we are protecting. Then you can look at password managers and encryption software and notebooks and so on. Applying each as needed to give you the security you desire.
For example, how would you protect access to nuclear secrets vs this forum? Or how about your 401K at TRoweCost.com. Does it change if the 401K account has $5,000 vs $5,000,001?
Google's/Chrome's password manager might be great for forums, given one's own your comfort needs, but maybe not so for saving banking info. Definitely not for nuclear secrets. Given TRoweCost's internal watchdog functions and transaction alerts, maybe some will feel that Chrome's password manager is more than enough. Others maybe not
Here is one approach to identifying the problem and picking solutions. Create a security plan:
- List out all the accounts you have logins for
- Add to the list any data you want to protect and manage in your security plan
- Break /sort the list into levels of sensitivity. For some that may be 3 levels, others may feel more comfortable with 10 levels.
- Indicate for each site any site side protection (such as transaction alerts)
- For each level, identify a solution that meets your needs. For the nuclear secrets, maybe you just have to memorize the keys to a code encrypting a code encrypting a code yielding the login info.
Consider also what you are protecting. Is it a login, or is it sensitive data stored at the login. For example, maybe you store in the cloud scans of your credit cards, driver's licenses, passports and the like for easy access should they be lost/stolen. One level of security is a login/password to the location where the image is stored. Another level of protection (albeit weak) is changing the file name's extension (from .jpg to .doc). Another level is some form of file lock or encryption or compression with lock.
So the answer to the OP's question is ............. it depends. Sorry
BTW ... a nice feature of Chrome's password manager (enter
https://passwords.google.com/ to see yours) is that it will do a password checkup and list any sites where the password is known to be compromised. It also lists duplicate passwords
BTW2 ... Don't forget to lock your PC if it is running and you are away from it. Your PC password and Google password (IE, Firefox, etc) may be the most important passwords you have since, for many, it is the keys to so many other accounts if Chrome (or potentially other password managers) stores the passwords.