Is It Worth Paying for a Password Manager?
Maybe. Read what Dave Hatter has to say about it.
I have used Lastpass for quite some time, now, although I also keep an encrypted backup of my passwords (regularly updated with changes, as needed, including the password to my Lastpass account) on a flash drive stored in my safe. The pass phrase for THAT is derived from a 17th Century French art song (so, easy for me to recall), but is, of course, obfuscated/changed from the original lyrics. A separate encrypted file contains just that password, with no reference detailing what it is for, embedded in another text file and available to one person who owns that device but does not have access to the safe w/o a trusted third party.
If I am gone or merely “vegetized,” someone will be able to access my data, close out accounts, etc.
And no, that doesn’t make my data secure, just slightly less accessible.
N.B. You might want to also consider encrypting all your removable devices (flash drives, USB-attached drives, NASes, SIMMs in phones, etc.). Sure, it can be a very small hassle entering pass phrases and decrypting/re-encrypting drives, etc., whenever new sessions are initiated, but do you really want all your data to be “in the clear”? Heck, consider something like Proton email and encouraging family and friends to do likewise so all your email is also encrypted and thus LESS accessible to others. Privacy is your right, but YOU need to at least attempt to enforce it. Assess what you want to keep to yourself and take appropriate steps.