My federal job came with one pre-installed.

Yeah idk about that. I've worked in state govt for a very long time and our cybersecurity controls essentially mandates we use one. I'm also in our security audit team and have to talk to state offices about our NIST controls regularly. And the NIST DOD controls are even more stringent than ours. Something sounds off.

Okay so remember the one or two ones you need there (try a passphrase!)

For everything else - password manager.

I literally work for a state government and I use password managers for both work and personal.

EDIT: For clarity, the data is hosted on-prem. I don’t send govt credentials to the cloud like a moron.