At this point NOT using a password manager is absolutely insane from a security perspective. Password managers not only make your life easier, but if you use them correctly, you can setup each service with its own dedicated and complex password. Good luck doing that without one!

Right, I'm none the wiser after reading all that!

Unfortunately, money is the only language leaches like Spez understand. So for that reason, fuck Reddit and Spez all together.

You're locked into those platforms if you use built-in password managers. Personally I don't like the idea of Google or Apple having all my data by using their proprietary password managers.