Earlier quoted context omitted.
Absolutely use a password manager, and a strong passphrase for the master password [1] Why would you say not? I'm not trying to be rude or anything. Let's have a discussion, and if I can convince you to do use one, I'd have made one more person safer. [1] I made this for a dead simple way to make passphrases: https://amingilani.github.io/password-maker/
Not OP but open for a chance. Last time I checked the popular password managers saved the passwords in one way or another. Which personally simply sounds like a bad idea to begin with. Even if in theorie they are safe. Even the slight chance that a single failure could lead to all my passwords getting in the wrong hands at once just is to scary.
EDITED to add: I am using Password Safe which is recommended by Bruce Schneier. What you describe would be an absolute noob mistake. He would be pretty embarrassed if you were right.