If someone has access to my desktop I've already been compromised enough to not care.
Do you run npm or maven on your machine?
That's not really true. Password managers should be, and good ones are, way more safe than that.
Passwords are encrypted, you need to use your computers password to download them decrypted
I think there are two options in Chrome's password manager. One is to decrypt with the computer's password. The other is to use your Google account authentication for decryption.