For all of its warts, at least crypto has managed to come up with a clever little motto that correctly states the issue, in the form of "not your keys, not your crypto." Putting your passwords in the hands of a third party drastically increases your threat surface and no amount of hand-wavy "but it's not as convenient" will change this fact. Now, it may be true that the convenience factor is very strong right now, bu…
My problem is that as an unskilled person - will I be any better at securing my own system?
Use a password manager, remember a 2nd password for your email yourself, and then use a second factor for as many things as possible. USB keys are best, but anything is better than nothing: SMS, Authy, Google Authenticator, phone call, whatever. Chrome and Safari both have password managers these days, and some Chromebooks even have a builtin second factor. 2FA is still a hassle for sure, but it's getting better all the time.