I know all of my passwords, I don't reuse passwords, and I chose from the very beginning to never rely on auto-generated passwords. I would be fine without any kind of password manager.
You are making a lot of generalizations about how people interact with passwords. I don't have a single Yubikey, I use Aegis on android that allows me to generate codes and self manage backups of my 2FA secrets. It even supports DUO 2F, but I don't mess with DUO accounts because they are hotp and not totp so you will run into sync issues if your aren't careful. I do have the secret key backed up though.
My passwords are something I know. More importantly, even if you use a password manager, your master password is still something you know in the eyes of the law. That covers all passwords that are accessed using a master password as something you know. That's the whole point of multifactor, the second factor is irrelevant without the first. I could surrender all of the 2F secrets and it still wouldn't matter because a password is something I know.
Not knowing your passwords is a choice, which you are free to make, I made the opposite choice. I can understand not wanting to remember every password, but it's worth creating self chosen passwords for the critical accounts like google, microsoft, github, and financials, in my opinion. I use biometrics for my mobile OS, but biometrics are only enabled after first unlocking the phone with the pin/password. I use a traditional password for my pc.