it simply is not plausable to remember so many complex passwords and services. i use bitwarden and i just need to remember one password, that's it. can not recommend it enough.
Yup, with so many accounts we use today, and the necessity of having strong passwords, 2FA/TOTP, and not reusing passwords across accounts, a password manager is a basic necessity.
I'd still recommend Vaultwarden through VPN if you are used to manage servers, or a KeePass database synced through any cloud storage if you're not into IT.