A password manager solves this problem. I use 1password but there are others, including open source solutions. Passkeys for me are by far the most convenient form of MFA-based authentication.
Yes you need to put thought into who you trust to provide password management but for most people having a professional third party help them improve how they use passwords will be a benefit to security overall.
And I am not.
You can self host an open-source solution if you do not trust 3rd parties. I put high value on convenience. TOTP solutions are not as convenient.