I tried going all-in on using iCloud Keychain (correct term?) for my passwords from having previously used LastPass. In short. 1. The experience on Windows is terrible. They can claim it's cross-platform but it's truly a sub-par product. 2. On Mac it's tied specifically to Safari. I use Safari a lot but if I'm in a different browser then my passwords are unavailable. 3. The GUI is buried in System Settings. Heaven fo…
So OP disagree that it's even a good product if you are 100% Mac, but are suggesting the functionality is all there, it just needs an actually designed UI/UX.
And/But your #2 sounds pretty terrible to me too!
It does not sound like a good product at all.