For me it’s the paranoia surrounding webcams. People outright refuse to own one and I understand, until they go on and on about how they’re being spied. Here’s the secret - unplug the damn thing when you think you won’t use it or haven’t used it in a while.
They, whoever it is, can’t really spy on you on something that’s already off and unplugged!
I agree - I do use passphrases in some critical cases which I don’t want to store in a password manager.
However, I believe passphrases are theoretically more susceptible to sophisticated dictionary type attacks, but you can easily mitigate it by using some less-common 1337speak character replacements.
Highly recommend a password manager though - it’s much easier to remember one or two complex master keyring passwords & the random generated passwords will easily satisfy any application’s complexity requirements.