[tempestn]

Lots of good points there, but this seemed a bit odd: "...it’s worth managing your passwords, as inconvenient as that can be." Personally I find it much more convenient to use a password manager than to try to remember what username (or was it an email address?) and password I used for every obscure thing I've ever had to log into. Even if you tried to use the same password for everything, completely ignoring how bad an idea that would be, I think a good password manager would still be more convenient, since there are often restrictions on usernames and passwords that prevent you from using the same thing. (For example, my bank boneheadedly requires an alphanumeric password of exactly 6 characters...)