[palata]

> Create a system or pattern based on url or brand and mentally hash it into a password.

Doesn't sound very secure. Also when you realize that you anyway have to trust cryptography, I believe it starts making a lot of sense to have an actual cryptographic key and encrypt it with one good random password you learn by heart.

I use pass https://www.passwordstore.org/, which encrypts my passwords with my GPG key, which comes from my Yubikey, which I unlock with a password. That means that I only need to remember one password, and it feels a lot more secure than your pattern based on url or brand.