Re: Yes, password manager
Nah, in practice the benefits of a password manager generating unique long random passwords still beats anything else. In theory, yes, if anyone pwns you and cares enough to dig into your individual files, you're f@#$ed, but the odds are still way better. Unless you're a real target, nobody even cares that much - Russians have much easier prey.
But I totally agree I'd like 2FA for every single login. That'd moot a lot of it.