Earlier quoted context omitted.
Not to mention this gem: > it is fine to write down your passphrases and keep them in a safe place
Why not? Write them all on a piece of paper and lock it in a safe. Probably much safer than a password manager.
Have a (logical) salt for all of the passwords. Don't write down that salt.
So, if you found my piece of paper with passwords, you might see something like this:
Etrade - I1999IbmfsaaymIwIbmoi
Gmail - D9cjeawfocsIdkwhtfts4r
But my actual passwords are something like this:
Etrade - I1999ibmfsaaymIwibmoi804WMainStreet
Gmail - D9cjeawfocsIdkwhtfts4r804WMainStreet
804WMainStreet is tacked on to the end of all of them, but you wouldn't know that from looking at the sheet of paper. Only my spouse knows the salt, and it's easy for us to remember, e.g., maybe 804WMainStreet is the address of the first place we lived together. In theory, this is reducing randomness, which might make it easier to crack one knowing the others, but I'm not super concerned about that.
The two most important elements of security for regular consumers are: 1) Use different passwords for everything. 2) Use multi-factor auth when available.
Whatever you have to do to achieve that is better than not doing it.
*And I actually use initialism for these passwords so I don't have to pull out the piece of paper often, only when I forget. In this example, the Etrade password might be derived from "In 1999 I bought my first stock as a young man. I wish I bought more of it."